Budgeting

4 Healthy Breakfast Options

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1. Greek Yogurt, Granola, and Berries

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 Greek yogurt is low in sugar, fat, and calories and is high in protein.  Adding granola and berries keeps it healthy and fulfilling.  This breakfast will keep you satisfied until lunch and is really good for you!  You’ll feel more alert and healthy with this in your system.

 2. Egg whites, avocado slices, and tomatoes on multigrain toast

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 Using egg whites eliminates a lot of the cholesterol in eggs, but you still get some good protein.  Avocado has a lot of nutrients in it and it’s delicious!  Avocados go great with eggs and tomatoes and the multigrain toast is a healthy alternative to white bread.

 3. Whole Wheat French Toast topped with Fresh Fruit

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 Use whole wheat bread brushed with egg wash (just whisk an egg together with cinnamon and a splash of vanilla) to make this French toast on a stove.  Top with cinnamon and your fruit of choice and light syrup and you’re good to go!  Using cinnamon for taste instead of sugar cuts the calories and cinnamon is pretty healthy.

4. Fruit, Yogurt, and Coconut Water Smoothies

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 Put fresh or frozen fruit in a blender with low fat or nonfat yogurt, ice, and coconut water and blend together.  This is a delicious and healthy option and it can be very filling.  The best part is that you have an endless amount of flavor options, so get creative!

4 Ways to Pay for College

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A college education is worth the investment, but paying for college may be the reason why many individuals do not attend. By no means is it cheap, but that does not make it any less important. There are many ways in which you can pay for college without that dreaded, overwhelming feeling of looming debt.

1. Always Apply for Financial Aid (even if you think you do not qualify)

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Financial Aid (FAFSA) is a helpful funding program to assist students in paying for many college expenses. Luckily, many students do qualify. The online application doesn’t take too much time to complete and it’s free.

2. Apply for Grants

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Grants are a great way to help pay for college. This is aid the does not need to be repaid and is often based on one’s financial need. You can apply for grants from the federal and state government.

3. Apply for Scholarships

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Scholarships are a bit different than grants. Grants are need based assistance and scholarships are merit based assistance. That means it’s awarded when an achievement is met. Your college of choice will have access to all scholarships offered.

4. Work While in School to Help Cover the Costs

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Working while earning your degree is a great way to help pay for small college expenses. Ecampus.com has great, affordable rates on textbooks or other items needed. If loans have been taken out, many times you can pay the interest while attending school.

If paying for college is still too much of a burden, the next best thing would be to attend a local community college. That would offset the cost at a much cheaper rate until graduation. Then complete your degree at a four year institution. Staying at home can also help, as you wouldn’t need to pay for room and board.

Saving Money During the School Year: Tips and Tricks!

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1. Get a job over the summer to save up some extra cash!   Even a part time summer job can save you a decent amount of money for the school year and anything helps.  This can be your spending money for your time at school!

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2. Stock up on essentials before you leave for school.  Go to places like Walmart and Target for your shampoo, soap, other toiletries, and cleaning supplies.  Or try wholesale stores like Costco and BJ’s—buying in bulk will save you money in the long run and you won’t have to worry about buying those things when you’re at school.

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3. Right before heading off to school, figure out exactly how much money you have saved up so you can plan out your budget.  Then, set a weekly or monthly budget for yourself and stick to it!

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4. If you have a meal plan, take advantage of it!  Limit yourself to only going out to eat or ordering in a couple times a week so your cash doesn’t disappear too quickly.  Going out to eat too often will start to add up so be careful!

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5. Live off campus.  Room and board is often very expensive and living off campus can save a lot of money.  Splitting rent and groceries with roommates will be cheaper in the long run.

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6. Buy or rent textbooks online (www.eCampus.com is a great option!)  The books at your school’s bookstore will set you back a lot of money and the amount of money you can save buying or renting online is astronomical!  Do some research and find your cheapest option.

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7. If you need furniture, kitchen supplies, or other apartment essentials, ask family and friends if they have anything they’re not using or plan on getting rid of to save some money.  Once you’ve done that, see what else you need and go shopping online or at discount/budget friendly stores.  You don’t need to splurge on your college apartment!

Is College Worth It?

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Some say college may not be for everyone, but it’s certainly worth your time and money. Granted, the rising cost of tuition and other college expenses isn’t cheap, but there are far more benefits to earning a degree than not. Not only will there be a greater increase in economic mobility after graduation, but college is also perfect for meeting new people, networking and landing that dream job.

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Statistically, those who graduate with at least a bachelor’s degree made  98 percent more  than those who only had a high school diploma. Those are some good odds! One study also found that those who finished at a four year institution were expected to earn 1.2 million more than those who didn’t.

The advantages of college doesn’t just stop at higher pay grades. It has overall life benefits as well. They are said to be happier and healthier due to better access to healthcare and the ability for more leisure activities.

If paying for college is an issue, there are many avenues you can take to make the situation less of a burden. There are a whole range of scholarships offered to incoming freshman based on what you are majoring in or your age. Checking the colleges’ webpage will give you a better understanding of what is being offered.  Another route is through loans that can be found with low interest and financial aid. If you are working during the school year, many loan companies will allow you to pay the interest on the loan; cutting the price upon graduation.

In the end, college is an investment and with all investments, there are possible risks. But what can be more important than an investment in yourself?

Healthy Summer Snacks

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Summer is finally here and with the bright sunshine and rising temperatures come the numerous invites to summer barbecues and parties. You can still enjoy these events without sacrificing your healthy eating habits! Swap out a few of the traditional summer snacks for these healthier alternatives.

fruit salad1.Fruit salad
Most berries are in season during the summer so take advantage of this and try a fruit salad. They’re super quick and easy to make and are sweet without the worry of artificial flavors and sweeteners. Simply slice up your favorite fruit and mix them together in a large bowl. Popular options are star fruit, kiwi, watermelon, mango, and strawberries.

 

turkey burger2.Turkey burgers
You can’t have a summer barbecue without a grilled burger. Try swapping out the traditional beef patty for a lower fat but equally satisfying turkey burger.

 

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3. Frozen Greek yogurt
Trade your ice cream for frozen greek yogurt to have the same taste with much less fat.

 

 

 

 

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4. Iced Tea
Iced teas are a great alternative to sugary drinks. Try green tea with a sprig of mint for freshness or honey for a sweeter drink.

 

 

 

 

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5. Angel food cake
Between birthdays, graduation parties, and Independence Day, there’s bound to be a situation where desserts are a must. Angel food cake is a healthier alternative to most cakes because it has a very low fat content but still tastes great.

 

 

What are some of your favorite swaps to maintain healthy eating habits? Let us know in the comments below!