From Survival Mode To Thriving: Regulating Your Nervous System In Challenging Times

What is HSA?

HSA stands for Health Savings Account, a type of savings account that lets you set aside funds to pay for qualified medical expenses. HSAs are often available as a part of health insurance plans, though banks and credit unions offer them, too.

What can I buy with an HSA?

You can buy a lot more with your HSA funds than you think: menstrual products, over-the-counter medicines, sunscreen, and travel to and from medical appointments are just some of the things you can buy with an HSA.

Is HSA worth it?

Whether an HSA is worth it is really dependent on your needs. There are some nice advantages associated with it, though. You may be able to lower your out of pocket costs for medical needs. Plus, the funds are not taxed, so you may be able to save more. Unlike an FSA (Flexible Spending Account), HSA funds roll over year-over-year, so you don't have to worry about it expiring.

Should I max my HSA?

Maxing out your HSA to your account's annual maximum amount via monthly contributions can be beneficial if your goals are to save money and limit out of pocket costs for medical care. You can also opt to invest some of your HSA funds, which can be a smart decision for saving for things like family planning or retirement.

Sunscreen

Per Cigna, sunscreen counts as a reimbursable HSA purchase. SPF is super important for skin cancer prevention, plus wearing it regularly can reduce signs of aging – a win-win!

Hatch Alarm Clock

The famed Hatch Restore alarm clock is both HSA and FSA eligible. It's a superb tool for going to bed soundly and waking up feeling refreshed as ever!

Period Underwear

Menstrual care and feminine hygiene products are also HSA eligible. Cigna says this category may include tampons, pads, liners, cups, sponges, and similar items, like period underwear!

Theragun

This luxurious massage gun is both FSA and HSA eligible! It's truly life-changing for relieving muscle soreness and tightness. Therabody's other devices like the Theragun PRO Plus, Theragun Sense, and Theragun Relief are also eligible.

Oura Ring

This fitness tracker ring is FSA and HSA eligible – it can help you keep tabs on your sleep, activity, stress, heart rate and more.

Breathing Strips

According to Cigna, breathing strips are HSA eligible, plus you don't need a doctor's prescription for reimbursement.

Electric Toothbrush

Electric toothbrushes are HSA eligible and reimbursable with a medical diagnosis. This model in particular cleans way better than a regular toothbrush, expertly supporting your oral health.

Essential Oils

Essential oils are HSA-covered with a medical diagnosis. Certain oils can help relieve stress, anxiety, physical pain, and nausea, and aid in better sleep.

Hand Sanitizer

Hand sanitizers of any kind are also surprisingly HSA eligible. We love these sprays from Touchland because they're cute, easily portable, and smell delicious.

Humidifiers

Humidifiers are indeed HSA eligible – the moisture they put out into the surrounding air can relieve respiratory issues, common colds, and even reduce snoring.

Air Purifiers

Similarly, air purifiers are eligible because they can help remove airborne contaminants and viruses that cause allergies and disease.

Spa Trips

In the case you're prescribed a lovely visit to a spa or resort by a physician for medical treatment, the only part that's covered by HSA are the services you receive while you're there. The cost of transportation is not eligible for reimbursement.

Blue Light Glasses

Blue light glasses are covered by HSA; lenses like these block out blue light from screens which helps prevent eye strain and fatigue.

1. Get outside for at least 20 minutes everyday.

My seasonal depression is definitely perpetuated by my work setup – I work remotely full-time, which means a big chunk of my days are spent inside in isolation.

Knowing that being in nature can soothe the tension caused by not only locking in on work tasks for hours at a time, but sitting in the same place for just as long, I’ve been prioritizing getting outside for at least 20 minutes a day. Even just sipping in a breath of fresh air can provide a nice restart to a not-so-great day.

Whether it’s going for a walk, coffee run, or to let your dog out, getting outside for a change of scenery can absolutely improve your mental health.

2. Engage in exercise that feels good.

I’m lucky to have found a combination of workouts that feel good to my body and mind. Climbing, hot yoga, and outdoor walks have truly kept me sane this far in the season!

Exercising (of any kind) releases dopamine and serotonin, which arecommonly linked to treating depression. It can also improve neuroplasticity, learning, and memory in the long-term, which, to me, sounds like a win-win for everyone.

The key for committing to an exercise routine in the depths of seasonal depression (and beyond) is only engaging in workouts that bring you joy – exercise should not serve as punishment, nor does it have to be painful.

3. Delete social media when I know it’s impacting my mental health.

This one is huge. I could talk for hours – heck, even days – about how hurtful social media can be for my mental health. To make a long story short, social media (Instagram in particular) degrades my attention span, sense of reality, and self-confidence.

There was a period of time where I had screen time limits on apps like Instagram and TikTok, but I would override them 99% of the time. Now, I'm making an actual conscious effort to delete the apps off my phone entirely when I feel the doomscrolling has gone too far. It’s helped so much: I don’t feel a constant sense of FOMO (which is a massive challenge when 69% of adults use social media), pressure to buy unnecessary things, or distracted from the present moment.

Of course, I’ll still download the apps every once in a while to check in – there’s a delicate balance between wanting to feel simultaneously connected and disconnected – but the biggest part of this is maintaining the boundaries I set for myself.

If you feel like deleting social media apps cold-turkey isn’t quite the step you need to take at the moment, I suggest making use of screen time limits and sticking to them, so you can live and be present in your (real) life!

4. Prioritize seeing my friends in person.

As I mentioned, working from home is quite isolating. I know many of my friends feel isolated this time of year, even if they work in-person jobs. I don't have any family members that live very close to me, so my besties have truly become my chosen family.

Speaking from experience, having a friend group (or even just a golden best friend) to turn to in those quiet moments after the workday is the ultimate cure for loneliness, boredom, and depression. In fact,studies like this onehave shown that a positive sense of community is associated with reduced reported symptoms of depression, anxiety, and stress.

So, gather your pals for a movie, craft night, potluck, or even just time to rot on the couch together. A lot of times, your friends may be feeling the exact same way you are.

5. Cook nourishing and rewarding meals.

Winter time is comfort👏 food👏 central👏, so there’s no excuse to not whip up a delectable soup or casserole fit for the season. Seasonal depression most certainly takes a toll on my executive function, though, so finding (or rather, making) the time and motivation to cook something for myself can be rough. Don’t even get me started on going to the grocery store.

That’s why I like to turn to recipes that yield big ol’ batches of food, so I can eat on leftovers for a week or so rather than cook something new every single day. Bonus points if the dish is healthy! Maybe the meal preppers are onto something…

You can find tons of delicious, easy, healthy, meal prep-friendly recipes here!

6. Be cognizant of my water intake.

As important as eating healthy is, it doesn’t mean much if you’re not hydrated. Drinking adequate amounts of water every day simply sets me right – I notice I have so much more energy than the days my water bottle’s not tied to my hip.

Experts recommend that women drink roughly 11 cups of water daily in order to benefit the body, from your immune system to your mood. I’ve been making the ritual even more enjoyable with a fun water bottle, customized with stickers and all.

7. Journal regularly.

Journaling can reduce symptoms of depression, anxiety, and hostility, as well as encourage self-awareness and resilience against the daily grind, which is why I aim to commit a tiny slice of my day to writing (or drawing). Even if there’s nothing “bad” or dramatic going on in my life, journaling about the mundane is super helpful in simply getting to know myself.

To incorporate journaling into your routine, I suggest writing right before bed, right before you wake up, or on a quick break during the day. Even just 5 minutes alone with your thoughts and your pen can transform your mindset.

You can find some really helpful journal prompts for improving your mental health here!

8. Go to therapy regularly.

Seeing a therapist on a regular basis has been a huge game-changer for me. When I started to go several years ago, I denounced therapy as a whole, but I started to really love it after a few months worth of sessions.

A good therapist can help you manage depression, stress, anxiety, and other mental health struggles, plus provide effective methods for self regulation, self awareness, communication, problem solving, and a whole lot more.

I’ve found my favorite part about therapy is having a third party to talk to about certain situations in my life – it’s been super beneficial when I want to talk through things I can’t (or don't necessarily want to) tell my close friends or family. Seeing a therapist regularly also helps me keep myself in check in terms of life, mental health, physical health, work, creative goals, and more.

Sparkles are extremely festive this time of year – go all out with a sequined dress to really embrace the Christmas spirit! You can find so many similar options at Anthropologie and Nordstrom. When paired with some cute ballet flats, you'll be feelin' like a little Christmas fairy in no time.

A blazer will never fail to make your Christmas outfits look sophisticated. Layer one on top of a basic cable knit sweater for a classic feel (that'll also keep you super warm)! From there, trousers or tailored jeans will do. Don't forget to accessorize with red Christmas nails and a bold red lip color!

Layers, layers, layers: it's the name of the Christmas outfit game, especially if you live somewhere super cold. But a practical 'fit doesn't have to be boring! Start with a comfy turtleneck and pants (over some leggings for extra warmth), then go crazy by mixing colors and patterns. This plaid + leather combo will be on repeat. Step into your favorite winter boots to bolden up the look!

Statement jackets are the way to go. This leather one is lined with a furry material that not only holds in your body heat during outdoor excursions, but looks so chic, too. Layer one with some leggings, a black mini dress, and a bright red sweater like this one so you feel cozy all day long! Don't forget the boots, either! 😍

Hair bows are the perfect accessory to rock alongside your Christmas outfits. From sleek sweaters like this one to more formal dresses, they fit the occasion oh-so nicely.

For a *spicier* holiday get-up, don't hesitate to reach for your fave tall boots and little black dress. It's a no-fail combo! With an all-black situation like this one, you won't have to spend extra time worrying about if your outfit is matching perfectly or not. Wear the two pieces with some sheer black tights, or get creative with colored ones, like a bold red or sparkly white.

If your personal style leans more preppy, this is the Christmas outfit idea to copy: loafers and a pleated skirt instantly make you look dressed up, but the nice part is you're not sacrificing comfort for style one bit. This outfit formula can span over endless color combos, but we particularly love the burgundy-leaning look with this one.

You can never go wrong with a good green or red plaid dress. Bonus points if it's vintage, like this one! You can easily dress it up with tights and a cardigan, with boots or ballet flats to match!

Velvet dresses have our hearts (and closets). The material evokes a very vintage-y Christmas vibe that you can style over and over again. We're currently eyeing similar styles to this one from Target and Anthropologie!

Sequins shine again! If it's Christmas party time, you truly cannot go wrong with an eye-catching ensemble like this one. You'll leave the whole crowd stunned. A sequined dress also makes for some ahh-mazing Instagram pics! 📸

Bundling up this winter doesn't have to be drab. Throw on a plaid scarf on top of a layered look to embrace all the Christmas vibes!

Playing with different materials and non-traditional color combos might just surprise you when it comes to creating the coolest Christmas outfits. For instance, this 'fit combines leather and suede, which contrast each other beautifully. You also might not immediately think of black and brown working well together, but this outfit idea defies all fashion "rules" in that regard.

For a Christmas-y night out (ahem, bar crawl, anyone?), don your cutest holiday sweater with some comfy jeans and boots. We've found some really great options for fun holiday sweaters that are still super stylish!

Get you a good tall black boot, and your Christmas outfit ideas will go far. They work wonderfully with everything from maxi dresses to midi skirts!

No matter what you wear this Christmas, there's always room for a playful (and festive!) hair bow.