Personal Wellbeing

The best foods for your heart — Tips from a cardiologist.

November 25, 2022
The Wellness Tribe Team
The best foods for your heart — Tips from a cardiologist.

The holidays are just around the corner, and it can be challenging to survive this hectic season; this becomes even more challenging if you are a person with diabetes. During this time of year, food and alcohol are abundant, and temptations are no doubt great, but maintaining good lifestyle habits requires daily mindfulness and preparation. 

To help you have a great party season without having to worry about heart disease, we asked a cardiologist expert to share some heart healthy food tips. 

Go Green With Your Diet

Food for your heart — Tips from a cardiologist.
Photo by Vitalii Pavlyshynets on Unsplash

The first step you can take is to increase your dietary fibre intake. Eat foods such as carrots, broccoli, whole grain cereals and grains, peas, lentils, melons, oranges, and pears. An individual fruit contains more fibre than three to four whole fruits used for making fruit juice.

Those with diabetes should avoid eating too many fruits. Choosing whole fruit and vegetables will increase your fibre intake and other nutrients. Instead, choose fruits that are low in sugar and rich in fibre, such as strawberries, oranges, sweet limes, apples, and pears.

Every meal should include a salad. You can get more nutrition by adding raw vegetables to a salad. Vegetables are a fantastic source of nutrients. In order to complete a full supper, you need a substantial amount of sprout-filled salad and vegetables. As sprouts are high in proteins and fibre, you should eat two daily servings.

Methi (fenugreek) seeds can be added to your meals. Its ingredients reduce cholesterol and are heart-healthy, making it an excellent source of soluble fibre.

In addition, people with diabetes and cardiac issues may benefit from adding raw methi seeds to curries, dals, or curd.

Let's say goodbye to salt and oil.

Let's say goodbye to salt and oil. Food for your heart — Tips from a cardiologist.
Photo by Matthijs Smit on Unsplash

We are not asking you to stop consuming oil and salt entirely but rather to limit their consumption. A daily salt intake of 5-6 grams is recommended for healthy people. However, if you have been treated for heart disease or had heart surgery, the daily salt consumption should be at most 2 grams or roughly half a teaspoon.

"The food you eat can either be the safest and most powerful form of medicine or the slowest form of poison." - Ann Wigmore 

The commercial marketplace also offers a wide variety of heart-healthy oils, including rice bran oil, mustard oil, safflower oil, sunflower oil, and groundnut oil. Using more than one cooking oil per month can provide additional benefits.

Be mindful of both quality and quantity.

Keep an eye on the amount of frying oil. It's essential to monitor the quantity of cooking oil you use, no matter what kind you use. The amount should be at most 15 ml (or three teaspoons) per day. 

You can use ghee in addition to cooking oils; however, you should not consume more than 15 ml per day. Consider taking one teaspoon of ghee and two teaspoons of oil instead of three teaspoons of oil a day.

In case you are uncertain about portions and types and want expert advice, you can approach HR at work about a corporate wellness program where an expert nutritionist will guide you through healthy heart dos and dont's.

Maintain a portion control policy. Spread your meals out over the day and consume small portions. A person who eats three full courses in one sitting may strain their heart, other organs, and stomach. 

It is best to eat six small meals throughout the day or two meals followed by pauses for breakfast, lunch, dinner, and snacks mid-afternoon snacks. In addition, simple, light foods should be served at supper. Avoid fatty and gas-producing meals at dinner, such as beans and cauliflower.

The nuttier, the better

There is no doubt that nuts are heart-healthy. Omega-3 fatty acids are essential for maintaining the health of your heart, and they supply the highest amount. The benefits of this include maintaining blood pressure, lowering cholesterol levels, lowering triglycerides, reducing inflammation, and preventing heart disease. In addition, there is a lot of PUFA in almonds and walnuts, which makes them excellent for the heart.

Consider your snack choices carefully. Incorporate light snacks such as sprouts chaat, vegetable chaat, boiling corn chaat, puffed rice (kurmura), or bhel into your menu. 

When it comes down to it, it is always a good idea to keep a close eye on your consumption and speak with a nutritionist if you are particularly mindful.

Financial Wellbeing

Budgeting and managing ZNMD Lifestyle with Lagaan Taxes

December 12, 2022
The Wellness Tribe Team
Budgeting and managing ZNMD Lifestyle and Lagaan Taxes

Striking a balance between lifestyle expenses and taxes can be difficult, but it is essential. On the one hand, you want to enjoy a comfortable lifestyle and have the financial resources to pay for the things you need and want. But, on the other hand, you also want to minimise your tax burden and keep as much of your hard-earned money as possible. 

This often requires spending money on things like travel, hobbies, and other leisure activities. However, paying our fair share of taxes is also important, as they help fund essential services and infrastructure that benefit society. So is there a way to achieve a perfect balance between these two? Let's explore how you can strike this perfect balance in this article. 

Stick To Your Budget

‍Stick To Your Budget - Balancing the Finances Managing ZNMD Lifestyle and Lagaan Taxes
Photo by Austin Distel on Unsplash

One way to strike a balance between these two competing priorities is to create a budget and stick to it. This can help us to keep track of our spending and ensure that we are not overspending on lifestyle expenses at the expense of our tax obligations. It can also help us prioritise our spending and make sure we spend money on the things most important to us.

By setting priorities and being mindful of your spending, you can simultaneously avoid overspending on unnecessary expenses and reduce your tax burden.

For example, consider contributing to a retirement account if you are trying to save money on your taxes. These contributions can be deducted from your taxable income, which can help reduce your tax bill. Additionally, you can take advantage of other tax breaks and deductions, such as the earned income tax credit or the child tax credit, to further reduce your tax burden.

Be Mindful of the Tax Implications

Another way to strike a balance is to be mindful of the tax implications of our spending decisions. For example, certain types of expenses, such as charitable donations or education expenses, may be tax deductible, which can offset some of the tax burdens. As a further benefit, tax-advantaged savings and investment accounts can help you save for the future and reduce your tax liability at the same time.

Cut Back Where You Can

‍Cut Back Where You Can - Balancing the Finances Managing ZNMD Lifestyle and Lagaan Taxes
Photo by GoodNotes on Unsplash

Another way to balance lifestyle expenses and taxes is to carefully review your spending and identify areas where you can cut back. For example, evaluate your monthly payments and look for ways to reduce your spending on things like groceries, entertainment, and transportation. By cutting back on these expenses, you can free up more money to put towards your savings or investments, which can help reduce your tax burden.

"Financial well-being is not just about having a lot of money; it's about having a healthy relationship with money and feeling financially secure." - The Financial Diet.

Identify Ways to Increase Income

You may also want to consider ways to increase your income. For example, you could take on a part-time job or start a side hustle to earn extra money. This additional income can be used to pay off debt, build up your savings, or make investments that can help reduce your tax burden.

This can be challenging if you have multiple sources of income and a complex financial situation. However, by using tools like budgeting software or apps, you can track your spending and income and see where your money is going. This can help you identify areas where you can cut back on your expenses. 

You can learn all these things in a financial wellbeing program if you struggle to keep track of your expenses. 

Closing Thoughts

Overall, striking a balance between lifestyle expenses and taxes requires careful planning and a willingness to make trade-offs. Our WellnessTribe Expert, Usha Mallya, a financial planner and advisor with KPMG, gives us some helpful tips above to start our new year.

Emotional Wellbeing

Riding the Wave of Inflation: A Guide to Investments

November 11, 2022
Usha Mallya
Riding the Wave of Inflation: A Guide to Investments

Inflation is a long-term pattern of rising prices across the economy yearly. Inflation rates indicate the rate of erosion of the value of an investment over time as well as the loss of purchasing power. Investing in assets requires a return on investment consistent with their living standard. 

To overcome the effects of inflation on your investment, you must have financial planning and knowledge. Here are a few things you should know. 

Inflation: What Causes It?

Inflation occurs when the demand for an item or service exceeds the supply of that good or service. This is referred to as demand-pull inflation, and it causes price increases. 

Inflation is also caused by a rise in the cost of producing products and services. As the cost of manufacturing an item rises, manufacturers raise the selling price in order to achieve or maintain a specified profit. This is referred to as cost-pull inflation.

Here's a chart demonstrating how a lakh's value decreases over time to help you comprehend this better.

‍Inflation: What Causes It?

Financial vs Physical Investment

Physical assets can be felt, seen, touched, or held, such as real estate, precious metals, jewellery, plant and machinery, vehicles, tools, etc. These assets must be maintained, repaired, and upgraded, which can lead to expenses.

An intangible asset, such as shares, bonds, deposits in banks, accounts receivables, goodwill, copyrights, patents, etc., cannot be seen or touched, except for the records proving ownership of the asset, for example, shares, bonds, deposits in banks. The value of financial support does not depreciate or diminish with time. Nevertheless, depending on market conditions, the value of a financial asset can appreciate or depreciate.

Asset Classes and Inflation

The value of liquid assets tends to rise less over time than the value of other types of assets since inflation affects them similarly. Because of this, liquid assets are more susceptible to inflation's effects. The larger economy tends to retain fewer liquid assets when inflation rates are high.

Although illiquid assets can generate interest and grow in value, inflation also affects them. Investing in stocks, bonds, and mutual funds is one of the best ways to protect savings against inflation. In times of high inflation, people often spend their liquid assets on consumer goods or invest them in interest-paying assets.

Systematic Investment in Equity Mutual Funds

Mutual Funds offer a Systematic Investment Plan (SIP), a means of investing a fixed amount at regular intervals, say once a month or once a quarter, instead of making a lump-sum investment. Instalments could be as low as INR 500 per month and are similar to recurring deposits. Moreover, it is convenient since your bank can give you standing instructions to deduct the monthly amount.  

Here are some examples of the power of compounding

‍Systematic Investment in Equity Mutual Funds

Three Golden Rules of Investment

Start Early

It is recommended that you start early in order to gain greater financial wellbeing and to maximise your returns on investment. If you allow your investment portfolio to generate returns over time, your returns will essentially create more returns. In technical terms, this is called compounding, proving that even small investments can accumulate into large sums over time.

Invest Regularly

Regularly investing rather than attempting to time a lump sum investment can help you become a more disciplined investor. Ultimately, you must invest no matter how high or low the price is. As a result, investing becomes less emotional, and you can put your money to work more quickly.

Invest for Long Term

The relationship between volatility and time is an advantage of long-term investing. The volatility of investments held for a more extended period tends to be lower than the volatility of assets held for a shorter period. The longer you invest, the more likely you will survive market downturns.

Investments with their risk vs return potential

Three Golden Rules of Investment

Conclusion

If the returns on an investor's assets are less than the rate of inflation, even if they show profits, they will lose money. Additionally, individuals should ensure that their income increases at least as much as inflation; otherwise, they are technically earning less than they would otherwise and losing financial stability.

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