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The morning after the night before

Date: Dec 12th, 2013

It’s always the same. You’ve hit it too hard over the festive season and come New Year’s Day you feel like a wreck.

The physical hangover is the easy bit—pop a vitamin, brew a strong pot of coffee and get some rest. But it’s the emotional and financial hangover that can take longer to shift.

The best of times, the worst of times

Christmas and New Year can be a wonderful time to catch up with family and friends. But let’s be honest, it can also be pretty stressful.

When it comes to the festive season, it’s all about striking a balance. You want to buy some decent presents, but you need to keep to a budget. You want to please friends and family, but you need to think about your own wellbeing. And you want to have fun, but you don’t want to wipe yourself out.

For some, the constant round of engagements with friends, colleagues and relatives can be an emotional rollercoaster. The temptation is to accept every invitation, leaving no time for yourself. For others, it can be a lonely time of year and a reminder of times past.


Help is at hand

If you feel things are getting on top of you, there are places you can go for help. Relationships Australia can help you talk through any family issues you might be having. And if you’re suffering from depression or anxiety, you can seek help at a number of places, including beyondblue, Black Dog Institute, Headspace and mindhealthconnect.

Hip pocket stress

With so many demands on your wallet, it’s easy to let your spending get out of control. You can wake up to a substantial credit card bill that puts you behind on your budget before you’ve even started and knocks your New Year’s saving resolutions for six.

You can take steps to reduce your financial stress.

  • Put a limit on the value of gifts.

  • Go Kris Kringle with the family rather than buying separate presents for everyone.

  • Encourage share plates at gatherings.

Check out AMP’s Budget planner, call AMP on 131 267 or talk to a financial planner about how you’re going to build and protect your wealth in the year ahead.


Train your brain like Todd!

It’s all connected—and a healthy mind is as important as a healthy body. The good news is you can train your mind just like you can train your body.

After the success of the ABC’s Redesign my brain with Todd Sampson, it seems everyone is getting into the idea of brain training. Getting your brain into top gear can help ease tension and cope with stress.

So why not get your brain into top gear this holiday season.

  • Build a personalised brain training programme at Lumosity.

  • Join the brain training revolution with BrainHQ’s brain training exercises at positscience.

  • Extend the old grey matter with the crosswords and Sudoku in the holiday paper.

What you need to know

Any advice in this document is general in nature and is provided by AMP Life Limited ABN 84 079 300 379 (AMP Life). The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of this advice having regard to those matters and consider the Product Disclosure Statement before making a decision about the product. AMP Life is part of the AMP group and can be contacted on 131 267. If you decide to purchase or vary a financial product, AMP Life and/or other companies within the AMP group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium you pay or the value of your investments. You can ask us for more details.

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