Simple Daily Habits That Could Harm Your Memory and Bank Account

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While it’s easy to focus on budgets and retirement plans, protecting your cognitive health may be one of the smartest financial moves you can make.

Subtle habits, from managing discomfort to navigating your surroundings, can impact memory, medical costs, and long-term decision-making.

Here’s how small daily choices can lead to bigger consequences — and what you can do to protect your mind and money.

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Be cautious with OTC meds

It might feel harmless to pop an over-the-counter pain reliever for a sore back or take stomach medicine after a big meal.

However, CNBC reports that relying on non-prescription drugs too often can carry serious risks. Overuse of familiar medications such as ibuprofen, acetaminophen, and specific heartburn remedies is linked to complications ranging from ulcers to kidney or liver problems, and the medical bills for these conditions can add up.

CNBC also notes that popular supplements and stomach remedies, when taken in excess, can lead to nerve issues and confusion, making work and daily finances harder to manage.

To avoid these risks, follow dosing directions, read all labels carefully, and talk to your doctor about any persistent issues instead of self-medicating.

Protect yourself outdoors

Fresh air and nature are proven mood boosters that can sharpen mental focus, but most people underestimate the price of not taking precautions outside.

CNBC explains that insect bites can sometimes cause infections, such as Lyme disease and other mosquito- and tick-borne illnesses, that may damage the brain or nerves and require ongoing, expensive care.

According to CNBC, simple steps like using bug repellent, covering arms and legs, and checking for ticks at home are small investments compared to the potential cost of long-term treatment.

Being prepared in advance allows you to enjoy the outdoors with both financial and physical peace of mind.

Use less GPS, train your brain

Trusting GPS and navigation apps with every trip across town is tempting, but consistently outsourcing your sense of direction can dull your memory and spatial reasoning abilities.

CNBC highlights new research suggesting that over-reliance on GPS can weaken the hippocampus, a crucial center for memory in the brain. Those who practice mental navigation keep their minds sharper and may even lower their risk of memory loss and related health costs.

Making a habit of mapping out new places without technology helps keep your brain active. CNBC points out that a stronger memory benefits you in daily life and supports better financial decision-making as you age.

Cognitive health is financial health

Small, daily behaviors can accumulate their impact over time, influencing both your mental sharpness and financial stability.

Staying informed and making conscious choices, such as moderating over-the-counter medication use, taking precautions outdoors, and using your innate navigational skills, can safeguard your cognitive health and avoid unexpected expenses.

Proactive habits today can lead to a healthier mind and a more secure financial future.

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