Thursday, July 31, 2014

Drop your student Loan Debt!




Are your students loans drowning you in debt? Would your quality of life be improved if you could just get a little relief from the high payments? If so, I have a few solutions for you. President Obama has three new programs that will help the millions of people struggling to pay down student loan debt. The first step to relief is to take control of your student loan debt. Go to the website below today for more detailed information about Federal Student Aid. 

https://studentaid.ed.gov/repay-loans/understand/plans/income-driven

Income-driven repayment plans are designed to make your student loan debt more manageable by reducing your monthly payment amount. If you need to make lower monthly payments, one of the three following income-driven plans may be right for you:
  • Income-Based Repayment Plan (IBR Plan)
  • Pay As You Earn Repayment Plan (Pay As You Earn Plan)
  • Income-Contingent Repayment Plan (ICR Plan)

If you are seeking Public Service Loan Forgiveness, you should repay your federal student loans under an income-driven repayment plan.


Also check out the options for Federal student loan forgiveness. Depending on where you work, teachers may be eligible for forgiveness programs as well. At the website listed below, look for Stafford Loan Forgiveness Program for teachers. 

http://www2.ed.gov/fund/grants-college.html


If you need assistance with your student loans, you may contact the following websites:

For FEDERAL student loans :  https://studentloanhero.com/

For PRIVATE/BANK student loans:  http://www.dmccinfo.org/

Association of Credit Counseling Progessionals: http://accpros.org/

HarveyWarren.com






Saturday, July 20, 2013

Mom2Mom support group for special Moms

Mom2Mom is a free 24/7 helpline for mothers of children with special needs, staffed by mothers who also have children with special needs and have been trained as peer counselors.



The 24 hour helpline can be reached at 877-914-MOM2. 

The Mom2mom program consists of a confidential, toll free 24 hour helpline, online "live chat" via the website www.mom2mom.us.com, MomeMom network of resources, Mom2Mom support groups and resiliency events. Interested parents can learn more about Mom2Mom on Facebook or www.mom2mom.us.com.

Friday, September 21, 2012

Your Money: Saving for College


Is a college education still a good financial investment? According to USA Today’s Country Financial survey of 3000 adults 18 and older:
Year             Yes              No
2008           81%            19%
2009           79%            21%
2010           64%            36%
2012           57%            43%

As a result of the rising costs of college tuition and fees, many prospective college students are doomed to borrow big bucks to help fund their college education. Did you know there is a way for college students to avoid a life of big college bills and college collector’s calls? In the past, a bachelor’s degree was a guarantee of success – the only credential needed to obtain a good job, a promotion, a raise, or employer provided health and dental insurance. In today’s economy, a bachelor’s degree guarantees scary debt and a life of financial struggles especially when funded solely by loans.

Consequently, the answer is for students to find other ways to pay for college (part time work, savings plans, savings bonds, long term investments), reduce college tuition cost by choosing to attend in state colleges, and borrow no more than $5000 a year to help defer college costs. 

Did you know the average cost for 4 years at Rutgers: The State University in New Jersey is about $80,000? Conversely, 2 years at Middlesex County College in New Jersey is $20,000 for out of county residents and $10,000 for in county residents. So let’s do the math. A student who decides to attend a New Jersey County College for 2 years ($20,000 in county) and then transfers to a 4 year college in New Jersey ($40,000) will have a college expense of $60,000 upon graduation. The savings of $20,000 over four years is quite significant, especially since $20,000 is the lowest recommended loan amount each college student should borrow to pay for college. Student loan debt of $20,000 should be payable by most students over 10 years.

But what if students cut their costs, work part time (no more than 15 hours a week during the school year), borrow modestly, and they still need more money for college? How much more money should they borrow without ruining their lives and credit? The key is to match student loan debt with expected income after graduation. For example, future musicians should borrow much less than future physicians. 

In the end, the decision to attend college is a very personal decision. Of course there are many factors families and individuals have to weigh before submitting those college applications. I hope this information was helpful. If you know a family about to send a child/children to college, pay it forward and pass it on. Knowledge is power! Here we go!!!

Here is a list of college resources:



Federal Student Aid: http://www.fafsa.ed.gov/



Tuesday, September 11, 2012

Change your brain, change your life!

 

Today I was talking with a friend, and she said that she didn't think she would ever lose weight. She admitted to me that she is an emotional binge eater. Nothing has helped her in the past, and she is extremely depressed about it. My question to her was - What woman hasn't struggled with an "eating disorder" sometime in her life?

If you ever binged after a stressful event or starved yourself to fit into an outfit or wedding dress - you have an unhealthy relationship with food. Being fit and healthy is a lifestyle choice. Thank goodness weight loss and good health are side effects of your decision to take care of your body by making healthy choices. I struggled with weight issues all my adult life, that's why it was so important for me to set a good example for my daughters. I worked so hard to make sure they didn't become overweight. They didn't know it, but I was fighting for their life. My grandmother was one of 17 children who grew up during the depression. She was a very important part of my formative years, and we would always hear about the starving children who didn't have enough to eat. We were expected to clean our plates at every meal, and I did. I remember my younger sister sitting at the table pushing her food around the dinner plate with a fork, because she wasn't going to be excused unless she at all her food. I understand and appreciate my grandmother's love and intentions,but little did she know that we were not starving. We didn't need to eat everything on our plates. Listening to those "food messages" were the  beginning of an unhealthy relationship with food. I love my grandmother, and I wanted her to know that I appreciated her love and care. I ate all of my food, but my younger sister did not. By the time I was 10 years old I was "pleasingly pump," but my sister remains thin to this very day. As a child, I never learned to recognize the signal your body gives when you are full. As an adult, it was very difficult for me to even know the difference between eating to live and living to eat. This year I decided to change my brain to accept my commitment to change my life.

It is so important to teach children when they are young to respect their bodies by eating healthy foods, portion control, and exercising every day. Healthy children become healthy adults. Conversely, unhealthy children become unhealthy adults. But guess what? Your brain is the most resilient organ you have in your body. If you treat it right (no matter what happened in the past), it will treat you right. It's never to late to make a change. Taking the first step to commit to a healthy lifestyle is easier than you think. One step at a time. One day at a time. One meal at a time. One pound at a time. That's what I told myself when I had enough back in January. It took me 3 months to lose 50 pounds. I never thought I could do it, but I'm so glad that I did. My life is so much better because for the first time in my life, I realized that I am worthy of putting my needs and health first. I can help others, because I was able to help myself. Forget about the past, and focus on your future. Remember that your "behaviors" can be changed. You can retrain your brain to do anything, all you have to do is - do it over and over again. If you don't believe me, just think of a time that you have to learn something new on your job or at home. What did you do? step 1: You read the instructions. step 2: You implemented the instructions. Step 3: You achieved the results. Depending on whether or not you mastered your task - you either went back to step 1 or step 2 until you reached the desired result -step 3. Repetition is the key. Be determined to reach your goals, no matter how many times you have to start over. There is no shame in trying. My grandmother also taught me to be courageous. She would tell me, "you can do anything! Just put your mind to it, and it will be done." My favorite quote is "inch by inch anything is a cinch, yard by yard it will always be hard." Take care to make a plan. Initiate your steps, and you will reach your goal.

Step out of your comfort zone, and walk in faith. Change is a necessary part of life. Don't be afraid of change. You will always be the same person, just smarter, healthier, and stronger - because you took control over your body and mind. Ask for help, surround yourself with others for support, and get busy - there is not time like to present to start over. Press that delete button in your mind.Now your food issues are a thing of your past, Never to be seen again. You can make the choice to be healthy. Being fit should be your goal. Taking care of yourself should be your goal. Getting on the Visalus "Body by Vi" program will help you achieve those goals, and you'll see that your relationship with food will improve. You can do it!!! Here are a few tips that helped me on my healthy lifestyle journey. Get ready to press that print button. Change your brain, and change your life!

1. Take control of your body. Look in the mirror every morning and say out loud, "I promise to take care of you today and everyday." Repeat as many times as necessary until you believe it.

2. Make a plan. Set realistic goals. Write down your goals on an index card, and place it under your pillow. "I will lose 2 pounds a week by eating healthier foods and exercising Monday, Wednesday, Friday, and Saturday." Read the card every night.

3. Tell everyone you know that you are making a lifestyle change, and you need them to support you by respecting your choices and decisions. "I am (training for a 5K), so I am making healthier food choices to lose weight/become stronger/ get fit." This will help to keep you "honest," and keep your family and friends at bay about your new lifestyle.

4. Find a partner. My husband and I are doing the Body by Vi 90 day Challenge together, and we couldn't be happier. We are both drinking 2 shakes a day, working out at the gym, and making better food choices. The family that works out together, stays together. Plus it makes it fun to compare favorite recipes, new workout plans, and weight loss updates. To find out more about The Challenge check out my Facebook page https://www.facebook.com/DelanaS90dayChallenge

5. Eat dinner together at the table with every member in your house. Bring back the family dinner. Set the table with the good China and silverware. Light a candle and take turns saying what you are most thankful for on that day. Serve a well balanced meal of meat, carbs, and veggies in colorful bowls (ones that children can manage. Help them scoop right sized portions on their plate.) Drink water or milk (set the example for the children). Turn off the TV. We do this every night in our house. It helps you stay connected with your children, and it sets the stage for healthier eating for all. We also have family game on Wednesday - Wii tournaments, board games, computer games - and it's lots of fun.

6. Chart your progress. Take a picture of your "before" self. Weigh your self everyday, and write down the date and weight. Take another picture of yourself every month on the same date. Keep a photo album. I found that it was so hard for me to notice when I was losing weight, but when I actually saw the pictures it was so apparent.


This was me last August 2011. 


This is me September 2012. 50 pounds GONE!


7. For every 10 pounds you lose, treat yourself to something special. I would get a special spa pedicure, purchase a new workout outfit, get a massage at the gym, buy pretty lingerie, or get a new music for my iPod.

8. Meditate. Visualize your new body. Visualize you enjoying healthier foods. Visualize you exercising. Visualize you happy enjoying your new life. I take 5 minutes before my feet hit the floor in the morning to meditate. First I start with very controlled breathing in, breathing out. Then I look out the window because I have a nice view of the trees outside, and I say, "I am beautiful. I am me. I am worthy of being the best (wife, mother, sister, daughter, friend, teacher) I can be. Today I will (go to the gym and work out for 1 hour). I do this because I am so in love with myself."

9. Surround yourself with happiness. Purge and release yourself of negative attitudes and people. Get a hobby or learn something new. Learn to identify when you are stressed, and how to relieve stress in a healthy way. When I get stressed I grab the dogs to talk a walk outside and breathe in the fresh air,  go to the gym, crochet, paint, curl up in the bed to read a book, call my sister, or visit my mother. Purchase plants, especially flowering plants, and place them in every room of your house. Not only will they clean the air, they will clean your brain of negative thoughts. Every time I see a plant, I smile. No I'm not crazy - plants and children always make me smile. My philosophy about this crazy life is "The more you practice how to be happy, the happier you will become." Smile and be happy!

Crochet Poncho I made for myself last December.


10. Join the 90 day challenge. It will change your life. My husband and I couldn't be more happier with our decision to get healthier. Just by drinking two shakes a day, we are getting our daily nutrients without having to weigh food or chop veggies. We are losing weight. We are feeling great. We are making money. We have more energy, and most importantly we can't keep our hands off one another. Visalus has helped us bring our sexy back!

This is real talk. I am sure that you can be your best right now. Today I am challenging you to get out of comfort zone, break out of the box of conformity, and go wild with me this month. My goal is to lose 30 pounds, and run a 5k in November. What is your goal? For more information about joining the 90 Day Challenge, please visit my website: www.delanasmith.myvi.net

Follow me on twitter @LivingMindfully.com and visit my other blog "LivingMindfully2day."

Monday, September 3, 2012

Waste Free Lunch


Back to school means back to packing those wonderful school lunches for our children for some of us. Have you wondered about whether to use paper, material or plastic to transport all those lunches to school everyday? I did, and this is what I found out about using a eco-friendly lunch containers.

In these financially challenging times, a penny saved is a penny earned for sure. In fact if you are an adult with lots of pennies saved, you might be interested in purchasing a designer paper bag to tote your lunch “fashionably” to your workplace. According to www.huffingtonpost.com , Jill Sanders designed the “Vasari Bag” for 29,000 pennies. Actually Louis Peitzman of awker.com describes Jill Sanders fancy lunch bag in the following way,
“Ok, it’s a brown paper bag with visible stitching, some gold colored eyelets, and ‘Jill Sanders’ printed on the bottom, but it’s still a brown paper bag.”
I was surprised to learn that even at it’s outrageous $290 retail price, the Vasari bag is currently SOLD OUT. 

Expensive Paper Lunch Bag

It makes me wonder why anyone with 29,000 pennies burning a hole in their pocket would choose to spend all that money on a brown paper lunch bag. Do they know that 44% of children are living below the poverty level today? In other words, a family of four with an earning income of $22,000 is squeezing every penny just to provide food, shelter, and clothes for their children EVERY SINGLE DAY, and some rich consumers are spending $290 on a wonderfully wasteful brown paper bag. I know it’s hard to believe that this is true, so I invite you to check out these articles I found on the web:





Speaking of wasteful - Did you know that school lunches are the second largest form of waste in schools next to paper waste? According to PureNaturalDiva.com, school lunch waste accounts for 3.5 BILLION pounds of trash in landfills each year. How would you like help to help the environment, offer your children healthier lunch choices, and put some extra money in your pocket? If you make a few simple changes, you can save $250 a year per child.
You will need:
1.   An insulated reusable lunch box
2.   Reusable ice packs for lunch boxes
3.   A Thermos for hot lunches (soup, stews, pastas)
4.   Reusable containers (to hold yogurt, sandwiches, wraps, veggies, snacks, fruit)
5.   A beverage holder (juice, milk, water)
6.   Reusable utensils (preferably inexpensive just in case they don’t come back)
7.   Napkins

Would you use the Vasari Bag? What do you use to pack your family’s lunch? My husband carries a waste free lunch to work every day. Yes we have to wash out all the containers, but the money we save takes the sting out of busting suds every day. Of course saving my family money is great, but I’m doing what any smart consumer would do – save money and save the environment. His initial purchase for the lunch bag ($12, Wegman), the shaker bottles ($9 per bottle, GNC) have paid for itself in the first week of use. In the past hubby would spend more than $25 a day eating out at restaurants on work days, but now his two Vi-Shape shake meals cost about $4 a day - and only about 200 calories each. Best of all, my husband’s waste free lunch provides him with healthier choices, and that makes me feel great!  



My wonderful husband decided to join me in the 90 day challenge one month ago, and I am so proud of him. He packs his waste free breakfast and lunch of 2 shakes everyday. Last night, he and N went for an "aerobic walk" after dinner. He says he has so much more energy throughout the day, and for the first time in years - he feels great!!!! He is enjoying the Vi-Life - greater nutrition, health, fitness. Real talk, real people. I believe in this product so much that I can't stop talking about it. Learn more at my website http://delanasmith.myvi.net/index.html

If you pack your husband’s or child’s lunch every day, it’s not too late to get the waste free lunch items for them. Run to your local Walmart or Target and purchase those waste free lunch items listed above to start saving money today. We can save our planet one smart choice, one day at a time. Change your brain, and change your life!