Let's talk about Seasonal Affective Disorder - Bell Let's Talk

Updated:
August 28, 2019

Seasonal affective disorder (SAD) is a recurring depression that affects individuals mostly during the winter months and recedes during the spring and summer.

How common is SAD?

It's estimated that between 2 and 6 per cent of Canadians suffer from SAD, with about 75 per cent of those affecting women between the ages of 20 and 49. Though SAD is most common during these ages, it can also occur in children, adolescents, and the elderly.

What causes SAD?

The exact cause of SAD is still unknown, but researchers suspect that an increased level of melatonin in the blood could be a factor. Melatonin increases the need and desire to sleep. SAD affects people more during the colder, darker months because the body produces more melatonin during this time.

Decreased exposure to sunlight resulting in an increased production of melatonin causes the biological clock that regulates mood, sleep, and hormones to run slower in winter. This is why those most affected by SAD tend to live in areas that experience decreased daylight for months at a time.

What are the symptoms of SAD?

Signs of SAD can vary depending on the severity of the condition. Here are some general symptoms:

  • Difficulty concentrating
  • Low energy and fatigue
  • Decreased interest in daily activities
  • Moodiness and irritability
  • Increased appetite with weight gain
  • Cravings for carbohydrates
  • Increased sleep, with more daytime sleepiness

    • Coping with SAD

    If you feel like you are experiencing some or all of these symptoms, there are a number of ways you can help decrease the effects of the symptoms. In severe cases, your doctor can prescribe medication, but oftentimes self-help tactics can be just as effective:

  • Increase the amount of light in your home. Open blinds, add skylights and trim trees that block sunlight.
  • Get outside. Walk outdoors on sunny days, even during winter months.
  • Exercise regularly. Physical exercise helps relieve stress and anxiety, which can exacerbate SAD.
  • Find ways to relax.
  • Learn how to manage your stress.
  • Take a trip. If possible, take winter vacations to sunny, warm destinations.

    • Many individual and group health plans cover psychological treatment, similar to massage and physiotherapy. It's important to always remember that you are never alone and the best way to help cope with Seasonal Affective Disorder, or any mental health issue, is to talk about it with someone you trust.

    FAQs

    What is financial advising?

    Financial advising involves providing guidance and advice to individuals, families, or businesses to help them make informed decisions about their financial matters. This can include various aspects such as investment planning, retirement planning, tax planning, estate planning, and more. Financial advisors analyze their clients' financial situations, goals, and risk tolerance to create customized strategies that align with their objectives.

    Why is financial planning important?

    Financial planning is crucial for several reasons:

    Goal Achievement: It helps individuals set and achieve financial goals, whether they are short-term, such as buying a home, or long-term, like funding a comfortable retirement.

    Risk Management: Financial planning addresses risks by considering insurance, emergency funds, and other protective measures.

    Budgeting and Saving: It promotes responsible money management through budgeting and saving, fostering financial stability.

    Wealth Building: Effective financial planning can lead to wealth accumulation and the creation of a secure financial future.

    Can financial advisors help with debt?

    Yes, financial advisors can help with debt management. They can assess your overall financial situation, create a budget, and develop strategies to pay down debt efficiently. They may also negotiate with creditors on your behalf, provide debt consolidation recommendations, and offer guidance on prioritizing and managing debt repayment.

    What exactly does a financial advisor do?

    The specific responsibilities of a financial advisor can vary, but generally, they:

    1. Conduct a thorough analysis of a client's financial situation, including income, expenses, assets, and liabilities.
    2. Develop personalized financial plans based on the client's goals, risk tolerance, and time horizon.
    3. Provide investment advice and portfolio management services.
    4. Offer guidance on retirement planning, estate planning, tax planning, and insurance.
    5. Monitor and adjust financial plans as needed based on changes in the client's life or market conditions.
    6. Educate clients on financial matters and empower them to make informed decisions.
    What is the average fee for a financial advisor?

    The fees charged by financial advisors can vary widely based on factors such as the advisor's experience, the services provided, and the region.

    Common fee structures include:

    Hourly Fees: Advisors charge an hourly rate for their services.
    Flat or Fixed Fees: A set fee is charged for specific services or a comprehensive financial plan.
    Asset-based Fees: Fees are a percentage of the assets under management (AUM).
    Commission-based Fees: Advisors earn commissions on financial products they sell.
    Combination of Fees: Advisors may use a combination of the above fee structures.
    ‍
    It's important to discuss and clarify fee arrangements with a potential financial advisor before engaging in their services.