Kick bad habits to the curb

What better time to quit a bad habit than with the fresh start of a new year? Whether it can be smoking, overindulging in the holiday libations, or consistently running late, it's time to break that bad habit for good.

Are you a smoker? Then keep this number in mind: 480,000. That's how many people in the U.S. died last year from smoking-related diseases. While quitting this bad habit certainly won't be easy, you can use your HSA funds to help pay for a smoking cessation program.

As for the wine drinking, enjoy yourself this holiday season. But perhaps kickstart your health with a dry January pledge.

Treat yourself to good health

We know this saying is overused, if not a bit clichéd. But hear us out. Self-care can do wonders for your mental health, from decreasing stress to preventing burnout.

So use your HSA to finally spring for the braces you've always wanted. (Your sparking new smile will thank you!) Or finally make a commitment to your mental health. You could also spring for an HSA eligible massage to ease your aches and pains, given that you have a letter of medical necessity, of course.

Focus on your budget

Nearly 20% of Americans said they had considered skipping or actually skipped a doctor's visit for necessary health care due to financial reasons, according to a study from the American Psychological Association.

So make this year the year that you take care of your budget so you can take care of your health. Be sure your HSA funds are invested, or save some of your hard-earned HSA funds, rather than spending them. You also could set a mid-year goal of maxing out your HSA contributions — that way, if an unexpected medical emergency crops up, you'll be covered.

Thank you for visiting the HSA Learning Center. And for everything else about your health and financial wellness, be sure to follow us on Facebook and Twitter.