COVID-19 Well-being Toolkit
Message from Rick Grooms, Chief People Officer at Centra The health and well-being of our caregivers and their families is our highest priority. You are our most valuable asset, and this statement has never been more true than it is now. Everyone is under tremendous stress as we feel the impact of COVID-19 on our country and our communities. This stress is amplified for those who are in the healthcare industry because of the vital role you play. While it is still unclear how long this pandemic may last, we want you to know that we are here every step of the way, looking out for your well-being and supporting your heroic efforts. It is our goal to take care of you so you can take care of others, including your own family and loved ones. Within the pages of this toolkit are tips and guidelines as well as important contact information and resources you might find helpful as we navigate these uncertain times. We want you to know that we appreciate everything you do, every day, to take care of our communities. We understand that these unfolding events have an impact on you and your loved ones, and we encourage you to use these resources both now and for future needs. Please take every opportunity to care for your mental health and well-being as we face this fight together. Thank you for your dedication and commitment.
Table of Contents Internal Resources..............................................................................................................................................2 General Safety Tips: How To Protect Yourself And Others...................................................................................4 Well-being Tips..................................................................................................................................................6
Social Well-being.........................................................................................................................................6
Community Well-being................................................................................................................................8
Physical Well-being......................................................................................................................................9
Professional Well-being..............................................................................................................................12
Financial Well-being...................................................................................................................................14
Additional Links
Well-being TOOLKIT | 1 | TABLE OF CONTENTS
Internal Resources
Centra Employee COVID-19 Hotline...........................................................................................434.200.1897 Employee Assistance Program (EAP)...........................................................................................434.200.6000 toll free: 833.200.6282 The Employee Assistance Program offered by HealthWorks provides services to employees and their family members with work and personal concerns. EAP is available to any Centra employee, their spouse, and their dependents. How can EAP help you? EAP allows you to have a confidential conversation with a licensed professional. Things that are often discussed with your EAP team include: • Depression • Anxiety and stress • Grief and loss • Stress related to financial, medical, or legal problems • Family issues – marital, relationships, parenting • Career or job concerns • Alcohol or drug abuse • Other concerns about emotions or behaviors How do I make an appointment? • Simply call the EAP at HealthWorks. It does not matter where you live, EAP staff will help you schedule an appointment. WorkLife....................................................................................................................................1.800.537.2153 https://healthworks.personaladvantage.com Some problems that don’t seem serious can affect work-life balance. Issues like transportation, childcare, or sleeplessness create imbalances that take a toll over time. Think of worklife as a personal assistant that allows you to have the ability to find available resources to support you.
Through this resource you will find access to support including: • COVID-19 resources • Legal and financial support • Resiliency support resources • Emotional well-being resources • Caregiver support locators including elder care services, new parent services, educational services, etc.
Wellness Portal......................................................................................................................... go.hw4me.com Did you know that your Wellness Portal has access to nutrition plans, exercise plans, recipes, and access to a database of health-related articles? You will also find workshops on sleep, financial wellness, and much more! Go to go.hw4me.com to log in. If it is your first time accessing the portal, enter your email in the “I need an account” box and follow the prompts. Well-being TOOLKIT | 2 | INTERNAL RESOURCES
Internal Resources
Join “Centra Connect” on Facebook Centra has a private, internal Facebook page called Centra Connect. Search “Centra Connect” on Facebook and request to join the group. This group is a place where we can connect with one another, celebrate and appreciate each other, and stay informed about what’s going on around Centra. Centra 24/7 Virtual Visits........................................................................................................ centra247.com No matter where you are or what time of day it is, Centra 24/7 is a free app that provides immediate access to a board-certified physician. Connect using a phone, tablet, or computer 24 hours a day, seven days a week and speak to a provider through a live video chat. Centra 24/7 can be used any time, day or night. It’s perfect when your doctor’s office is closed, you’re too sick or busy to see someone in person, or even when you’re traveling. Centra 24/7 offers: • Your choice of trusted, U.S. board-certified doctors • Peace of mind with a doctor “on call” 24/7 to provide quality care • Consultation, diagnosis, and prescriptions (when appropriate) Use Centra 24/7 for urgent care symptoms and conditions such as:
• • • •
Cold Cough Flu Sinus infection
• • • •
Rash Pink eye Allergies Vomiting
• Diarrhea • Fever • Urinary tract infection • Sore throat
Centra Employee COVID-19 Internal Resources 1. Go to www.centrahealth.com 2. Scroll down to “Employees, Volunteers & Providers” heading 3. Click on COVID-19 Employee Link PCHP Group Plan Members Customer Service........................................................................ 888.674.3368 www.PCHP.net During these uncertain times, we are taking unprecedented action for caregivers on our health plan who might find themselves seeking care and treatment for COVID-19. Our desire is that you can continue to focus on your health and well-being. One way Centra will aid in doing so is by covering the PCHP plan members’ cost sharing responsibilities for COVID-19 services (testing and treatment). We encourage you to seek treatment via Centra 24/7. These services are free to all Centra caregivers on the PCHP health plan. You can access these telemedicine services here: https://www.centrahealth.com/Centra247.
Well-being TOOLKIT | 3 | INTERNAL RESOURCES
General GeneralSafety SafetyTips: Tips:How HowToToProtect ProtectYourself YourselfAnd AndOthers Others
Know How It Spreads • There is currently no vaccine to prevent coronavirus disease 2019 (COVID-19). • The best way to prevent illness is to avoid being exposed to this virus. • The virus is thought to spread mainly from person-to-person. o Between people who are in close contact with one another (within about 6 feet). o Through respiratory droplets produced when an infected person coughs, sneezes or talks. o These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs. o Some recent studies have suggested that COVID-19 may be spread by people who are not showing symptoms. Everyone Should: Clean your hands often • Wash your hands often with soap and water for at least 20 seconds especially after you have been in a public place, or after blowing your nose, coughing, or sneezing. • If soap and water are not readily available, use a hand sanitizer that contains at least 60 percent alcohol. Cover all surfaces of your hands and rub them together until they feel dry. • Avoid touching your eyes, nose, and mouth with unwashed hands. Avoid close contact • Avoid close contact with people who are sick. • Stay at home as much as possible. • Put distance between yourself and other people. o Remember that some people without symptoms may be able to spread virus. o This is especially important for people who are at higher risk of getting very sick. https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/people-at-higher-risk.html Cover your mouth and nose with a cloth face cover when around others • You could spread COVID-19 to others even if you do not feel sick. • Everyone should wear a cloth face cover when they have to go out in public, for example, to the grocery store or to pick up other necessities. o Cloth face coverings should not be placed on young children under age 2, anyone who has trouble breathing, or is unconscious, incapacitated or otherwise unable to remove the mask without assistance. • The cloth face cover is meant to protect other people in case you are infected. • Do NOT use a facemask meant for a healthcare worker. • Continue to keep about 6 feet between yourself and others. The cloth face cover is not a substitute for social distancing. Cover coughs and sneezes • If you are in a private setting and do not have on your cloth face covering, remember to always cover your mouth and nose with a tissue when you cough or sneeze or use the inside of your elbow. • Throw used tissues in the trash. • Immediately wash your hands with soap and water for at least 20 seconds. If soap and water are not readily available, clean your hands with a hand sanitizer that contains at least 60 percent alcohol. Well-being TOOLKIT | 4 | GENERAL SAFETY TIPS
General Safety Tips: How To Protect Yourself And Others
Clean and disinfect • Clean AND disinfect frequently touched surfaces daily. This includes tables, doorknobs, light switches, countertops, handles, desks, phones, keyboards, toilets, faucets, and sinks. • If surfaces are dirty, clean them. Use detergent or soap and water prior to disinfection. • Then, use a household disinfectant. Most common EPAregistered household disinfectant will work.
Are You at Higher Risk for Serious Infection? Older adults and people of any age who have serious underlying medical conditions might be at higher risk for severe illness from COVID-19. Based on what we know now, those at high-risk for severe illness from COVID-19 are: • People 65 years and older • People who live in a nursing home or long-term care facility People of all ages with underlying medical conditions, particularly if not well controlled, including: • People with chronic lung disease or moderate to severe asthma • People who have serious heart conditions • People who are immunocompromised o Many conditions can cause a person to be immunocompromised, including cancer treatment, smoking, bone marrow or organ transplantation, immune deficiencies, poorly controlled HIV or AIDS, and prolonged use of corticosteroids and other immune weakening medications. • People with severe obesity (body mass index [BMI] of 40 or higher) • People with diabetes • People with chronic kidney disease undergoing dialysis • People with liver disease Stay home and avoid close contact, especially if you are at higher risk of severe illness or if you may have issues getting assistance if you get sick.
Source: cdc.gov/coronavirus
Well-being TOOLKIT | 5 | GENERAL SAFETY TIPS
Well-being Tips: Social Well-being
Keeping Your Distance: Seven Things You Can Do 1. Get outside and be active. Fresh air and exercise are good for you. Keep a 6-foot space between you and others. Avoid gathering places like parks and playgrounds and wash your hand well when you get home. 2. Try something new. Use this time to pick up that dusty guitar, paintbrush or pen, or take an online course on a subject you’re interested in. 3. Reach out to family and friends. Stay in touch with others by phone, Skype, Messenger, FaceTime, or whatever virtual communication tool you use. 4. Travel the world… virtually! While at home, you can still visit places around the world online, Search on the internet for virtual tours of zoos, national parks and museums. 5. Do things to relax your mind. Listen to relaxing music. Watch movies. Read books. You can also learn to relax your body through meditation and imagery. 6. Take a break from the news. Although it is important to keep up with the news about COVID-19, it can be a good idea to take some time each day to unplug from devices and the television. 7. Write. Keep a journal, or write letters, cards or emails to friends and family members. And here’s a nice bonus tip: Laugh. And cry. It’s okay to feel whatever you’re feeling right now. Everyone feels different things at different times. With care and a little time, you’ll get through this. Be kind to yourself and those around you. Feeling Overwhelmed About an Outbreak? When talk of a virus outbreak hits close to home, it’s normal to feel stressed about a potential pandemic and emerging health crisis. No matter how you’re feeling, your free Work/Life Services can help. Get connected to outside people and resources that can help you with tasks that feel overwhelming such as childcare, household help, etc. Try these tips if you’re feeling overwhelmed or fearful about an outbreak. 1. Don’t inflate the risk. Our brains are used to taking something that is made to sound scary and unknown, and inflating the risk of it actually happening to us. It’s a part of our brain’s intrinsic, built-in fight-or-flight response. Big and scary gets attention. Ordinary but also potentially bad for our well-being gets less attention. 2. Take normal, healthy precautions. Both flu and coronaviruses are spread through everyday contact, through touch, a cough, or a sneeze. If you’re sick, stay home and don’t go to work or out in the world. If you’re not sick, stay away from close contact with a person who is and engage in healthy habits when it comes to cleanliness. Wash your hands regularly and thoroughly. Carry a small travel-sized bottle of hand sanitizer with you and use it regularly.
Well-being TOOLKIT | 6 | SOCIAL Well-being
Well-being Tips: Social Well-being
3. Avoid over-consumption of media. Limit your consumption of media and stories related to the outbreak. Scientists and public health officials are working overtime to better understand the virus and are looking at ways to limit its impact. Trust in their work and efforts. If you need updates, check out a government resource for the best, most accurate information, such as the U.S. Centers for Disease Control and Prevention (CDC). 4. Use your past coping skills Use what’s worked in the past to help manage anxious feelings. Maybe it’s engaging in self-talk, to undo the irrational thoughts coming into your head with rational, fact-based responses. Whatever works to help relieve your stress and reduce your anxiety. Remember, outbreaks like this do occur from time to time throughout the world. While they can be very scary — you don’t have to go through this alone. Connect with your Work/Life Services using the following link: https://healthworks.personaladvantage.com/ Sleep Tips 1. Don’t use electronics before sleeping. The light that is emitted from your devices can cause the brain to think it is daylight and stimulate wakefulness. Instead, use a sleep mask with aroma therapy to relax the body and convince the mind it is time to sleep. 2. Ask people not to disturb you. Whether you have eight hours to sleep or two, make sure it is uninterrupted sleep. Set some boundaries. Be aware of when you are mentally and physically exhausted and let other know that restful sleep is a must for your well-being. 3. Make sure you are getting Vitamin D. If you body is low on Vitamin D, it can cause insomnia and other sleep disturbances. If you’re not getting much natural sunlight, eat healthy foods that are high in Vitamin D or choose to go the supplement route. 4. Avoid consumption of caffeine and alcohol. Stimulants like coffee work to promote alertness, but it can also inhibit restful sleep. Avoid drinking caffeine for four to six hours before bedtime. Remember alcohol won’t help you sleep, and even small amounts can make it harder to stay asleep. 5. Don’t lie in bed awake. It can be difficult to shut the brain down for sleep, but don’t just lie in bed and watch the clock. If you cannot fall asleep in 20 minutes, do something calming until you feel sleepy, and then try again. 6. Naps can be nice. Short naps of 10-20 minutes can help you gain extra energy during the day and won’t necessarily disrupt your sleep at night, just try to avoid naps after 3 pm. Even a 10-minute nap can improve your alertness for two and a half hours if you’re sleep deprived.
Well-being TOOLKIT | 7 | SOCIAL Well-being
Well-being Tips: Community Well-being
Childcare Resources If you are in need of childcare due to closures or changing work hours, please visit our COVID-19 Employee website or review the file on our Centra Connect Facebook page. Spiritual Connection Spiritual connection is vital for one’s overall health and well-being. Spiritual connection can be fostered in three forms: connection to self, others, and with a larger meaning and purpose. Your larger meaning and purpose may be described as faith, religion, or spirituality. Try some of these tips to help keep spiritually connected: Self • Be gentle and kind to yourself. • Forgive yourself when you make mistakes. Only you expects you to be perfect. • Find times to be quiet and practice mindfulness in your routine daily activities. • Remember to breathe. • Remember to eat. • Remember to move your body and exercise. • Remember to sleep. Others • Accept the support offered by friends and family. Ask for it when you need it. • Reach out to people who bring out the best in you and who want the best for you. • Stay in touch with friends and family who gently tell you the truth out of love and genuine care. • Connect with your spiritual leaders and guides. Call/email a chaplain to ask for time to meet. • Practice compassionate care and kindness to others. Meaning and Purpose • Get out in nature and have curiosity and wonder. • Pray, remembering that sometimes prayer is silence. • Read sacred texts from your faith tradition. • Write down your thoughts, feelings, questions, and ideas on paper. • Look for beauty in the world around you. • Practice gratitude. As spiritual care chaplains, we are honored to be part of our team of Centra caregivers. We are here to help anytime you need support. We listen without judging because we care about you and respect your dignity and your journey. We are here for you in whatever ways you find helpful for us to be present for you. If you would like to arrange a time to connect with a spiritual care chaplain, please email pastoralcarechaplains@centrahealth.com and/or call us at 434.200.4501.
Well-being TOOLKIT | 8 | COMMUNITY Well-being
Well-being Tips: Physical Well-being
Quick Tips to Stay Active at Home Try these easy activities that you can do from home to help keep you active and moving! • Take a brisk walk • Push a lawn mower • Vacuum or sweep the house • Dance around with your family • Play outside with your children • Go for a jog • Play basketball in the driveway • Do some stretches • Jump rope • Plant a garden or do yard work • Complete body weight exercises such as push-ups, squats, or abdominal work Quick Workout Plans Workout 1 One Round: • 40 Jumping Jacks • 8 Push-ups • 40 Jumping Jacks • 20 Crunches • 40 Jumping Jacks • 20 Squats • 40 Jumping Jacks
Workout 2 Two Rounds: • Jog for one minute • 15 Squats • 15 Lunges • Jog for one minute • 10 full sit-ups • 10 push-ups • Jog for one minute • 20 Jumping Jacks • 20 Walking lunges
Workout 3 Set a timer for 20 minutes and complete as many rounds as possible: • 5 Burpees • 10 Push-ups • 15 Squats • 20 Jumping Jacks • 25 Crunches
** Always consult with your physician before beginning or trying a new workout. Listen to your body and stop when needed.
Well-being TOOLKIT | 9 | PHYSICAL Well-being
Well-being Tips: Physical Well-being
Seven Nutrition Rules to Live By 1. Color your health happy by planning at least one meatless day into your week (think colorful vegetables). 2. Pamper your brain and fuel it well with carbohydrates like fruit, vegetables and whole grains plus beneficial fats from nuts, seeds, fish and avocado. 3. Keep your pantry, fridge and freezer free of foods with a lot of added sugar, solid fat and salt. 4. Add healthful foods into your day, such as whole grains, fruits, vegetables, fat-free or low-fat dairy products and lean proteins. 5. Stay hydrated by drinking water instead of sugary drinks. Keep a reusable water bottle with you to always have water on hand 6. Factor in dietary fiber with vegetables, fruits, whole grains, nuts, seeds and beans, peas and lentils. 7. Slow down your eating by taking at least 20 minutes to eat breakfast, lunch, and dinner (it takes 20 minutes to feel fullness). Five-Minute Breathing Meditation to Cultivate Mindfulness The most basic way to do mindful breathing is simply to focus your attention on your breath, the inhale and exhale. You can do this while standing, but ideally you’ll be sitting or even lying in a comfortable position. Your eyes may be open or closed, but you may find it easier to maintain your focus if you close your eyes. It can help to set aside a designated time for this exercise, but it can also help to practice it when you’re feeling particularly stressed or anxious. Experts believe a regular practice of mindful breathing can make it easier to do it in difficult situations. Sometimes, especially when trying to calm yourself in a stressful moment, it might help to start by taking an exaggerated breath: a deep inhale through your nostrils (five seconds), hold your breath (two seconds), and a long exhale through your mouth (4 seconds). Otherwise, simply observe each breath without trying to adjust it; it may help to focus on the rise and fall of your chest or the sensation through your nostrils. As you do so, you may find that your mind wanders, distracted by thoughts or bodily sensations. That’s okay. Just notice that this is happening and gently bring your attention back to your breath. • Find a relaxed, comfortable position. You could be seated on a chair or on the floor on a cushion. Keep your back upright, but not too tight. Hands resting wherever they’re comfortable. Tongue on the roof of your mouth or wherever it’s comfortable. • Notice and relax your body. Try to notice the shape of your body, its weight. Let yourself relax and become curious about your body seated here—the sensations it experiences, the touch, the connection with the floor or the chair. Relax any areas of tightness or tension. Just breathe.
Well-being TOOLKIT | 10 | PHYSICAL Well-being
Well-being Tips: Physical Well-being
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•
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Tune into your breath. Feel the natural flow of breath—in, out. You don’t need to do anything to your breath. Not long, not short, just natural. Notice where you feel your breath in your body. It might be in your abdomen. It may be in your chest or throat or in your nostrils. See if you can feel the sensations of breath, one breath at a time. When one breath ends, the next breath begins. Be kind to your wandering mind. Now as you do this, you might notice that your mind may start to wander. You may start thinking about other things. If this happens, it is not a problem. It’s very natural. Just notice that your mind has wandered. You can say “thinking” or “wandering” in your head softly. And then gently redirect your attention right back to the breathing. Stay here for five to seven minutes. Notice your breath, in silence. From time to time, you’ll get lost in thought, then return to your breath. Check in before you check out. After a few minutes, once again notice your body, your whole body, seated here. Let yourself relax even more deeply and then offer yourself some appreciation for doing this practice today.
Well-being TOOLKIT | 11 | PHYSICAL Well-being
Well-being Tips: Professional Well-being
Appreciation Take time to appreciate and recognize the great work being done all around you. Remember to encourage one another and be emphatic to the ever-changing environment. • Send an e-card or nominate a caregiver for points using our Thanks to You! platform. • Use sticky notes to spread positive cheer. • Post photos on social media of the great work happening around you. Compassion Fatigue and Burnout Taking care of others can take a toll on your health. Being on the job in the middle of a crisis can leave you feeling worn out. When you are feeling less than your best, make sure to stop and take time to recognize compassion, fatigue, and burnout in order to better care for yourself. Compassion Fatigue • Definition: Stress resulting from helping or wanting to help people who are experiencing trauma or suffering. Sometimes referred to as secondary traumatic stress. • Symptoms: chronic physical and emotional exhaustion, depersonalization, irritability, feelings of self-contempt, difficulty sleeping, weight loss, headaches. Burnout • Definition: state of emotional, physical and mental exhaustion caused by excessive and prolonged stress. • Symptoms: reduced performance and productivity, anxiety, detachment, low mood, difficulty concentrating, lack of creativity, fatigue. Prevention Self-awareness and self-monitoring for changes in behavior, develop mentor relationships, reduce stressful workloads, monitor sleep patterns, exercise, meditation, therapy. Treatment Talk about feelings, commit to exercising, develop a healthy diet, restful sleep, develop hobbies outside of work, use coping strategies, seek support. If you think you are experiencing sign of compassion fatigue or burnout, please call HealthWorks EAP at 434.200.6000 to talk confidentially with a counselor.
Well-being TOOLKIT | 12 | PROFESSIONAL Well-being
Well-being Tips: Professional Well-being
Ergonomics: Beyond the Office Walls Sit with your back and feet supported If you are someone who struggles with back pain, try supporting your spine with either a pillow or a rolled towel placed between the chair and your lower back. You can also try a rectangular pillow placed upright from your lower back to your shoulders to help support the entire spine. If you are sitting on a hard kitchen chair, place a thin pillow or folded towel on the seat. Support those feet While sitting, your hips and knees should be at about 90-degree angles. If your feet can’t be placed comfortably on the floor, try using a three- ring binder (angled toward you) to support your feet. Dangling your legs can cause a lack of circulation after a while, so keep your feet supported. Keep your head up The average human head weighs 10-12 pounds. When you are looking down at your laptop or phone, your head is forward on your spine and places a lot of pressure and tension on your neck, which can cause pain. Ideally, the top of your monitor should be at eye level or just slightly below. If you have actual monitors, adjust them accordingly and try tilting the top of the monitor slightly back. If using a laptop, you can try to sit your laptop on some books or boxes to elevate it so that the top of the laptop is at or slightly below eye level for times when you are reading the screen. If you must type on your laptop keyboard, lower it down close to elbow level and try to keep your neck and spine as straight as possible. Try to avoid hunching over and leaning your head forward. Relax your arms Your best option is usually to use an external keyboard (not the one on your laptop) if you have one. Keep your keyboard at or slightly below elbow level, with your shoulders relaxed. If you are using the one on your laptop, try to have it at about elbow level and tilt the screen back slightly so that you do not have to lean forward to view it. Remember to give your hands and wrists frequent breaks. Don’t keep a death grip on that mouse! Change your posture often Remember that your body is never meant to stay in one position too long. Doing so limits circulation and can cause tension in the joints and muscles. Try sitting and working in different chairs if you do not have a dedicated space. Prop your feet up occasionally or try standing up while you are on a call. Feel free to alternate positions every hour or so, or at least get up and move. Give your eyes a break Your eyes need rest too. Follow the 20/20/20 rule. Take a 20 second break every 20 minutes by looking at something 20 feet away. Close your eyes, take a deep breath, then return to your focus. Get up and move Our bodies are made to move! We may forget to move and walk as much when working from home. Remember to stand up, walk, stretch, for at least one minute every 30 minutes. Stretching not only improves blood flow, but it can also reduce stress and tension in our bodies.
Well-being TOOLKIT | 13 | PROFESSIONAL Well-being
Well-being Tips: Financial Well-being
How to Make a Budget and Stick to It When life is feeling uncertain, managing your money can help give you a sense of certainty. If you want to keep your spending under control, it’s essential that you make a budget. A budget allows you to get a handle on the flow of your money – how much you make and how much you spend. With that information in hand, you can make intelligent choices about what to buy with your hard-earned cash. •
Make a list of your expenses. The first step in making a realistic budget is figuring out where your money goes. To keep track, make an expense record.
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Total your income. Your expenditures account for only half of the picture. You also need to add up your monthly income.
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Make your budget. After you keep track of your expenses and income for a few months, you’re ready to create a budget. Your goals in making a budget are to: 1) control your impulses to overspend, and 2) start saving money.
•
Decrease expenses. If your expenses exceed your income, you will have to cut expenses or increase your income. If finding more income is not realistic, focus on decreasing your expenses. The trick is doing this without depriving yourself of items or services you truly need.
o Preserve things you cannot live without. Make a list of things you feel you can’t live without and whittle down your other expenses to accommodate them. For example, you may decide to give up most of your magazine and newspaper subscriptions because you know you’d go nuts if you couldn’t go to the movies once a week. If you make room for at least some of the things you love most, you’re much more likely to succeed at your plan. •
Stay on track. Don’t think of your budget as etched in stone. If you do, and you spend more on an item than you’ve budgeted, you’ll get frustrated and be more likely to scrap the budget altogether. Review your budget and make adjustments. Be willing to sacrifice. You may have to sacrifice some things that feel important to you. But don’t expect to stick to your budget if you take away all but the essentials. Be realistic.
Retirement Planning Resources To discuss your retirement plan and options available to you during the COVID-19 pandemic, please contact our Transamerica representative, CJ Bishop. Phone: 434.200.3216 Email: cj.bishop@transamerica.com Website: my.trsretire.com
Well-being TOOLKIT | 14 | financial well-being
Additional Links
Virginia Department of Health (VDH)........................................ http://www.vdh.virginia.gov/coronavirus/ Centers for Disease Control and Prevention (CDC)............................................ www.cdc.gov/coronavirus/ Childcare resources in Virginia...............................................................www.dss.virginia.gov/cc/index.html 1.866.543.7852 National Suicide Prevention Hotline........................................................................................1.800.273.8255
Centra 1920 Atherholt Road Lynchburg, Virginia 24501 434.200.3000
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