A Breadwinner’s Guide to Self-Care

The Self-Care Paradox

Breadwinners face unique challenges that can make self-care seem like a luxury they can't afford. But ironically, it seems the more responsibilities we have, the more critical self-care becomes.  Neglecting our own needs can lead to burnout, decreased productivity, and strained relationships.

Self-care allows breadwinners to recharge and replenish their energy levels, ensuring they have the capacity to fulfill their responsibilities effectively. It also helps them maintain a healthy work-life balance, reducing stress and promoting a positive mindset. By reframing our mindset around self-care, we can become more resilient and better equipped to handle challenges, allowing us show up as our best selves in all areas of life.

Tending to our physical well-being

Physical health directly impacts our ability to fulfill our roles. Establishing a healthy lifestyle, including regular exercise and a balanced diet, not only increases energy levels but also boosts resilience in handling daily challenges. Adequate sleep is another often overlooked aspect that significantly influences our overall well-being.

Taking care of our mental and emotional well-being

The mental and emotional toll of being a breadwinner can be significant. Stress, anxiety, and pressure can accumulate over time. Engaging in activities that promote relaxation, such as mindfulness exercises or hobbies, can help manage these challenges. Seeking professional support through therapy or counseling is a proactive step to address and navigate emotional well-being.

Setting boundaries

Recognizing our limits and setting boundaries is an integral part of self-care. It's okay to say no to additional commitments if it means preserving your well-being. Establishing a healthy work-life balance ensures that you can fulfill your responsibilities without compromising your mental and physical health.

Prioritizing protection and financial readiness

When our loved ones depend on us to provide for their immediate needs, we sometimes neglect our own needs as well as our family’s future financial security. Stay on top of your financial well-being by creating a budget and setting financial goals. Having a clear financial plan can reduce money-related stress. Including insurance protection into the mix will ensure you are covered for the unexpected while preparing for your family’s future.

Life insurance can act as a financial safety net for your family in the event of an unforeseen event, providing a financial cushion to cover expenses and maintain their quality of life. FWD Manifest, for instance is an investment-linked life insurance that protects you and your investments while helping you reach financial goals – whether it’s preparing for your retirement, saving for your children’s education or building your wealth. For Overseas Filipino Workers (OFWs), FWD Family Hero works as a source of passive income, with the potential to grow your family's wealth. It also protects your family from unexpected health setbacks. FWD Set for Tomorrow provides solutions for your ever-changing financial protection needs. From loan protection, income protection during your prime working years, to a smooth transfer of wealth, its different policies allow you to protect your family’s future.

On the other hand, health insurance offers a shield against the often-exorbitant costs of medical care, assuring that potential health challenges don't turn into financial burdens. FWD Vibrant offers a complete life and health insurance from wellness to recovery, helping you take better care of your health with proper health screening and maintenance, coverage from unexpected critical illnesses, and a supplement benefit for your treatment and recovery. While FWD Set for Health protects you and your family from future financial expenses if you get diagnosed with any of the covered 42 major and 9 minor critical illnesses or if the unexpected happens. Plus, you get your money back if you stay healthy until age 75.

If as a breadwinner, you may understand the need for financial protection and insurance coverage but may feel stuck worrying about both present and future needs. SmartStart Lite can be a wise decision for you and your family, as this is ideal especially for breadwinners who are looking to get their first insurance to help them raise a family or even support their parents. Starting at PhP1,200+ monthly, policyholders can sustain their responsibilities and keep it within their budget while getting comprehensive coverage for accidental death and critical illness plus a waiver of premium. Life insurance and hospital cash benefits can also be availed as add-on benefits.

By proactively securing these forms of protection, breadwinners can significantly reduce worries about the future, not only providing peace of mind but also allowing them to face life's challenges with a greater sense of readiness.

The Ripple Effect on our relationships

When we prioritize self-care, it positively influences our relationships with family members. A healthier and happier you can foster a more supportive and nurturing environment at home. Taking breaks, spending quality time with loved ones, and communicating openly about your needs contribute to building stronger familial bonds.

Tips for incorporating self-care into a your busy schedule

Finding time for self-care can be challenging for breadwinners with busy schedules. However, it's essential to prioritize self-care to avoid burnout and maintain a healthy work-life balance.

1. Identify your priorities - Determine what activities bring you joy and rejuvenation and make them a priority.
2. Schedule self-care time - Block out dedicated time for self-care in your schedule and treat it as non-negotiable.
3. Delegate tasks - Don't be afraid to delegate household chores or work tasks to free up time for self-care.
4. Set boundaries - Learn to say no to additional commitments that may interfere with your self-care routine.
5. Multitask self-care - Find activities that can be combined with other responsibilities, such as listening to audiobooks or podcasts during commutes or exercising while spending time with family.

How to create a self-care routine

Building a self-care routine is essential for breadwinners to ensure that self-care becomes a consistent part of their lives.

1. Assess your needs - Identify the areas of your life that require attention and determine the self-care activities that address those needs.
2. Start small - Begin by incorporating one or two self-care activities into your routine and gradually add more as you become comfortable.
3. Be adaptable - Recognize that your routine may need to change as your responsibilities and circumstances evolve.
4. Make it enjoyable - Choose activities that you genuinely enjoy and look forward to, as this will increase your motivation to stick to your routine.
5. Hold yourself accountable - Set reminders, track your progress, and celebrate your achievements to stay motivated and committed to your self-care routine.

Self-care activities to try

Self-care activities vary depending on individual preferences, but here are some ideas you can explore.

1. Exercise - Engage in physical activities that you enjoy, such as yoga, running, or dancing.
2. Journaling - Write down your thoughts, feelings, and goals to gain clarity and release emotions.
3. Hobbies - Dedicate time to activities that bring you joy, whether it's painting, playing an instrument, or gardening.
4. Socializing - Spend quality time with loved ones, whether it's going out for a meal, having a game night, or simply talking and laughing together.
5. Relaxation techniques - Practice deep breathing, meditation, or take a relaxing bath to reduce stress and promote relaxation.

Lastly, have support systems in place

Having a strong support system is crucial for breadwinners to prioritize self-care. Surrounding yourself with understanding and supportive individuals can provide encouragement, accountability, and a safe space to share your challenges and victories. Seek out family, friends, or even online communities that can offer guidance and support during your self-care journey.

As a breadwinner, you have the power to take control of your own well-being while fulfilling your responsibilities. It’s important to make self-care a non-negotiable part of your life. By doing so, you will not only benefit yourself but also positively impact the lives of those around you. So, go ahead, prioritize self-care, and embrace the rewarding path to a more balanced and fulfilling life.

Need help putting a financial support system in place? Our financial advisors can help you create a financial strategy tailored to your personal situation.