Having a healthy emergency fund can help reduce anxiety about living on one income. It can also help protect you from unforeseen expenses such as medical costs or an unexpected home or car repair. Ideally, your fund should contain enough to cover six to nine months of living expenses by the time you drop to a single income. To get there, while you are both still working, set up your direct deposit to allocate a portion of your paychecks into your savings account and the rest to your checking account. This can help you reach your savings goal faster and is a good first step toward learning how to control spending so you can live on less income. You may also need to make some hard decisions about what you can cut from your living expenses to help you prepare (see step No. 2 for guidance). Access the short-term savings calculator from Bank of America to help you determine how much you need to save each month in your emergency fund.
The right footwear can help keep your feet healthy, make your physical activity easier and help keep your body safe from injury.
You will be more comfortable being active if you choose a shoe that fits you well, suits your activity type, is appropriate for any problems with your feet, and helps protect your feet, legs and joints.
The right shoe:
Try to buy your athletic shoes from a specialty store. The staff may advise you on the type of shoe you need for your activity or sport. And they can properly fit the shoes so you end up with the right size.
If you play a sport, it’s a good idea to wear shoes designed for that sport. There are specific shoes designed for tennis, golf, soccer, football, netball, running, cycling and other sports. Each has a different design, material and weight to best protect feet against the stresses of the particular activity.
A good tip when buying shoes is to take a tracing of your foot with you. If a shoe is narrower or shorter than the tracing, don’t even try it on.
If you need shoes for walking, look for a lightweight shoe and extra shock absorption in the heel and under the ball of your foot. These features may help reduce heel pain, and burning or tenderness in the ball of your foot. Some walkers prefer a rounded or rocker bottom on the shoe so they can easily shift weight from heel to toe.
If you need shoes for running, and prefer a traditionally styled shoe, look for overall shock absorption and good torsional strength (meaning the shoe shouldn’t twist easily). These features may help protect against shin splints, tendonitis, heel pain, stress fractures and other overuse injuries.
Alternatively, you may prefer a barefoot (minimalist) shoe. These shoes allow your foot to land on the ground almost as if you were running barefoot: they do little more than provide grip and protect you against harmful objects on the ground. Some are designed to help you transition from heel-first running to barefoot style running (where the midfoot or forefoot strikes the ground first).
If your shoes are too tight, too loose or insufficiently supportive, your physical activity may place stress on your feet, ankles, lower legs and other joints. This ongoing pressure may contribute to pain and injuries.
Poor footwear choice can contribute to common sports injuries such as shin splints and Achilles tendon pain, corns and bunions, ingrown nails, or postural issues and lower back pain. Such injuries may significantly limit or stop your activity.
Choosing the right shoes can help avoid injury. Learn what can happen when you wear the wrong shoes:
Remember, the right shoe can help prevent, reduce or eliminate foot pain. A lack of pain has a huge impact on how well and easily you move. So, find the right shoe and get active!
If you have foot or ankle problems, you may need to change shoes, make some changes to your existing shoes or use various shoe supports.
A heel cup may alleviate pain beneath the heel. Made of plastic, foam or rubber, the cup may provide support around the heel while relieving pressure beneath the tender spot.
Arch supports (‘orthoses’) treat pain in the foot and other problems related to function of the foot and lower leg. Made of many types of material, arch supports are worn inside the shoe. Custom arch supports are specially designed inserts (orthoses) and may relieve a particular area while supporting other areas. They may also aim to alter foot alignment and function.
Some foot problems can be improved by stretching and strengthening exercises, wearing a different shoe, or simple over-the-counter shoe modifications. However, long-term and complicated problems ‒ such as severe flat foot, high arches, shin splints, Achilles tendon injury and turf toe ‒ may require specialised assessment.
A metatarsal pad can be used to relieve pressure or pain beneath the ball of the big toe (sesamoiditis) or other toes. Made from a range of materials, the pad affixes to the insole behind the tender area. In this way, the pad helps distribute pressure that would otherwise be placed on the ball of the foot.
Talk with a healthcare professional (such as a podiatrist or physiotherapist) about any problems with your feet or footwear. They may be able to recommend a treatment to help your symptoms, or a specialist shop that has shoes suitable for you.