by Ondine Brooks Kuraoka

During difficult financial times everyone is looking for ways to cut spending, but depriving ourselves of our favorite luxuries may also starve our spirit and make hard times feel even harsher.

Before you slash your gym membership as part of your savings plan, remind yourself that exercise is a necessity, rather than a luxury. And if you are a gregarious person, substituting a solitary run or walk isn’t going to work for your well-being in the long-term. Exercise groups, such as a running or hiking club, may be a palatable option. Or join an organization like Team in Training teamintraining.org/sd and let the power of philanthropy energize you.

Have you decided that your weekly manicures are too excessive? Perhaps you can slow the frequency of these feel-good treats, rather than cutting them out entirely. Or substitute a monthly facial, seasonal highlights or massage. Think about what would make you feel best and find a way to nurture yourself that way.