Life Kit Folgen

From the moment you wake up, your body starts to prepare for sleep. We show you how to adjust your daytime habits to get the best possible night of rest.Here's what to remember:- Start the day with natural light — from an east-facing window, or even better, go outside — to put the brakes on melatonin. - Cut the caffeine off by late morning. Even if it doesn't keep you up, caffeine impacts how much deep sleep you're getting. - Get moving during the day. Exercise can increase the quantity and quality of your sleep.- Avoid the nightcap. Alcohol makes you feel sleepy but disrupts deep sleep.- Ban the smartphone and TV from the bedroom. Too stimulating, when you should be letting go.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

If you use credit cards in a intentional way, you can free up some valuable perks. We geek out on strategies to make credit cards work for you, without getting out of control on spending. Here's what to remember:- Use credit cards that have the best rewards on the things you spend the most money on.- Protect your credit score: Always pay off your balance, don't spend more than 30 percent of your limit, don't cancel a card you've had for a long time.- Don't outgame yourself by accepting too many new cards with sign-up bonuses.- Know yourself: If you've had trouble with running up debt, don't tempt yourself with more cards.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Don't get caught in a cycle of unnecessary overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.Here's what to remember:- Automation is your friend. Set your bills on autopay. - Overdraft protection is deceptive. Link your checking account to a savings account to avoid overdraft fees.- Set up a buffer savings account with automatic deposits. - Don't use credit cards for emergency spending.- If you do have an emergency, try asking your employer for your already-earned wages. - Balance transfer checks can help with high-interest debt, but read the fine print.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy