Connect with us

Blog

8 Things Every Adult Should Be Doing Regularly

mm

Published

on

Adulting means taking on more responsibilities. It means remembering to do things, even if they aren’t things we necessarily want to do. From filing taxes and investing to changing the car’s oil and cleaning gutters, adults have a lot to manage on a regular basis.

What do you need to do every day to keep your life on track? Curious to know how well you’re handling adulting? Here are eight things you should be doing regularly.

1.   Go to the Doctor

When you were a little kid, your mom probably took you to the doctor. It wasn’t something that you had to remember to do. Now as an adult, things are a bit different. You have an entire list of doctors you have to visit each year. Just the idea of calling to make an appointment, requesting time off from work, and driving to the doctor’s office can be daunting.

Luckily, at-home services like telehealth and prescription delivery are becoming more and more common in today’s world. If you’re someone who doesn’t like going to the doctor, consider turning to online resources. For example, STI testing is something you can now do at home instead of visiting the doctor. Sexually transmitted infections are extremely common. While you shouldn’t feel embarrassed about going to the doctor, the convenience of at-home testing is nice to have.

2.   Check Your Credit Score

There’s a myth that checking your credit score too often will negatively impact your score. This actually isn’t true at all. In fact, checking your credit score regularly is a good way to stay on top of your finances. Checking your score helps you ensure that it’s accurate so you can see where you stand financially.

When you check your credit score, pay close attention. First, you should obviously check the score itself. If it’s increased since you last checked, keep up the good work. If it’s decreased, you may have to tighten your budget to start paying off debt. Also look at your alerts and total account balances, as well as the status of any open accounts. You can also go a step further and check your full credit report to take note of any unusual activity on your accounts.

3.   Exercise Regularly

It’s important for every adult to exercise regularly, even if you’re just going for a short walk around the neighborhood. Staying active will not only keep you healthy, but it can improve your overall mental state as well. Try to be active every single day or at least a few times a week.

Find a type of exercise that you actually like doing to keep you motivated. For example, some people may prefer weight lifting and high intensity interval training (HIIT workouts). Others may prefer cardio like running or biking. Or, maybe workout classes are your favorite way to stay in shape. Whatever your preference may be, just make sure it’s part of your regular routine.

4.   Drink Enough Water and Eat Right

As an adult, it’s critical that you drink plenty of water every day. According to the U.S. National Academies of Sciences, Engineering, and Medicine, women should drink 2.7 liters of water per day. Men should be drinking 3.7 liters. A large percentage of your body is made up of water. Not only do our bodies depend on it to survive, but it also has numerous other benefits like giving you clearer skin.

Eating right is also important. No, you don’t have to be on a strict diet. But you should consume whole foods that are good for your body on a regular basis. Make sure you’re eating enough fruits and vegetables. Fuel your body with vitamins and minerals through the foods that you eat. Healthy foods provide higher energy levels so you can power through your day. Make sure you’re paying attention to what you put into your body.

5.   Get Plenty of Sleep

Don’t get so busy that you forget to rest. Getting good rest seems like such an obvious thing to do, yet so many adults don’t sleep enough. You should be getting a restful seven to eight hours of sleep each night. Doing so will help to improve your physical health, mental health, and quality of life.

If you’re having trouble sleeping at night, there are a few things you can do. Consult your doctor if you think something serious may be going on. Otherwise, download an anxiety app to help calm you in the hours leading up to bedtime. You can also try small doses of melatonin when you can’t seem to get some shut eye.

6.   Clean and Declutter

If your living space is a mess, you’ll feel like a mess, too. So be sure to clean and declutter your living space(s) regularly. Whether it’s your closet, your car, or a room in your house that needs a makeover, get to cleaning. You’ll be happy that you did.

To make cleaning easier, put yourself on a schedule. Make it your goal to clean, declutter, or reorganize one space per month. Even if it’s something small like your desk, the simple act of decluttering and organizing helps your mood and outlook. It’ll make you feel like you have a fresh start with as few distractions and stressors around you as possible.

7.   Check in on the People You Love

By the time you reach your adult years, you’ll come to the realization that life is very short. Years go by quickly, and tomorrow isn’t always promised. As we get older, we also grow to appreciate our relationships more. A lot of people will grow closer to their parents or find their forever friends. Whoever your people are, be sure to hold onto them and never stop loving them.

Call your best friend regularly. Do something nice for your mom to show her how much you care. Whoever that important person is in your life, don’t forget to keep showing up for them. Reaching out benefits them and it will make you much happier, too.

8.   Take Time for Yourself

Let’s face it—being an adult is hard. It can be exhausting, stressful, and just all-around tough at times. That’s why it’s so important to take care of yourself. Don’t be afraid to claim some time that is just for you so you can do some self-care. Whether you take a walk, schedule a massage, or order out instead of cooking, it’s a good thing to care for yourself.

Take that mental health day to rest and recharge. Treat yourself to a self-care day. Do the little things that make you happy often so you don’t overload on stress. If you’re already trying to get your life together, that’s the last thing you want. There’s absolutely no shame in taking a step back and re-focusing every so often.

Are you doing most of the things on this list regularly? If not, it may be time to get serious. Whether you’re getting (or keeping) your act together, make sure you’re taking care of the important things on a regular basis.

 

Rosario is from New York and has worked with leading companies like Microsoft as a copy-writer in the past. Now he spends his time writing for readers of BigtimeDaily.com

Continue Reading
Advertisement
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Blog

How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That

mm

Published

on

Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®

What’s Keeping Millennials From Accessing Credit?

The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.

Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.

The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:

  1. Payment history
  2. Amount owed
  3. Length of credit history
  4. Credit mix
  5. Hard credit inquiries

You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.

The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.

The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.

Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.

It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.

How Credit Bureau 2.0 Fixes Those Problems

Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.

Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.

The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.

Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”

Continue Reading

Trending