by IAmSavvy | Oct 15, 2022 | Finance, News
The Beta Launch of the Student Loan Forgiveness program is open. It can eliminate up to $20,000 in student loans for eligible borrowers. As promised, the process is straightforward. Just give your full name, Social Security number, phone number, and email. Once you submit your information, you will get a confirmation.
If you haven’t already, go to the Federal Student Aid Beta Launch page and sign up now. Once the official launch is in progress, borrowers could see debt relief in weeks. Don’t pass up this opportunity.
Update 10/22/22 – debt relief program is halted.
by IAmSavvy | Oct 9, 2022 | Finance
There are 92.8 million Americans caught in the $1.75 trillion debt crisis. I’m addressing the small group who have been paying student loans for 20 years. More than likely, you’ve seen the Student Loan Debt Relief program bulletins. You’ve probably deleted them.
Why? You’ve tried several times to get from under the crushing debt of student loans. You’ve applied to income-driven repayment plans to lower your monthly payments. Comically, you’re told at your current income; your monthly payment will increase. Here’s more shocking news:
Of the two million borrowers paying on student loans, only 32 borrowers have qualified for loan cancellation.
There are so many scams out there it is hard to know who to trust. You don’t think there is a way out at this point, so you’ve stopped trying.
Imagine if you could wipe out your 20-year student loan debt in a matter of weeks
I hope it has your interest. If you’ve been suffering under the weight of your student loan debt, you have nothing to lose by trying. Go to Student Aid.gov and find out what you need to do to apply. Here are some interesting facts from their FAQ:
- Up to $20,000 in debt relief – if you have ever received a Pell Grant
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- As long as you received at least one Pell Grant of any amount, you qualify for $20,000 in debt relief
- Up to $10,000 in debt relief – if you have not received a Pell Grant
- Defaulted loans are eligible for debt relief
- Easy process
- A short form – you don’t even have to log in to a site
- Fast debt relief
- Qualified borrowers can expect debt relief in weeks.
Let the possibility sink in
You’re probably laughing and rolling your eyes. What would it feel like if you had $20,000 less debt by the end of the year? Would it feel like a victory? That alone should give you incentive to take a look.
Of course, there are those that are opposed to the debt relief program. We don’t know the outcome. Let’s have faith that it will go through as promised. The Student Loan Relief application will (tentatively) be released Monday, October 17, 2022. Be ready.
by IAmSavvy | Oct 2, 2022 | Wellness
We all think the grass is greener on the other side. We envy our work-at-home companions; we think they have it made. The truth is remote workers spend 9.2 hours per day in front of the computer. Here are some quick tips to improve your wellness scorecard if you are a remote worker.
GET UP AND MOVE
Many telecommuters live a sedentary lifestyle and it is catching up with them. Remote workers need to get up and move around. You can be productive at work and get in a little exercise by setting a Pomodoro timer. Create a healthy habit of moving around during your break period.
WATCH YOUR BACK
Working from home can literally be a pain in the backside. Sitting in a chair, 9-12 hours per day, that doesn’t support your back is a recipe for trauma. Having the right office set up is important to avoid back problems.
Ergonomic office chairs and standing desks are great for relieving strain on the back and neck. What do you do if you can’t afford the $200 – $1,400 price tag that comes with that remedy? No worries.
Here are some items I’ve tried personally that eased my back pain:
The ultimate sleep aid
So, you probably think this is another cliché suggestion of getting 8 hours of sleep. Wrong. Maybe you can’t afford a new bedroom set or mattress, but investing in a pillow can make your day – literally.
A good pillow can help keep the spine aligned and improve sleep quality. My inexpensive pillow caused me to wake up every morning with headaches and neck pain. I invested in a memory foam pillow. The second my head hit this pillow; it changed my life. No more re-fluffing, headaches, neck pain, and I had a great night’s sleep. This pillow may be pricey, but it’s worth every penny.
MAKE MINDFULNESS A MUST
A remote job can be just as stressful as an in-office job. Mental health is declining for some remote workers. Fortunately, a remote job can make it easier to participate in meditation. Mindfulness meditations can last as little as five minutes. Meditation reduces stress, improves sleep, and decreases blood pressure. Increase your emotional wellness by adding mindfulness exercises to your work routine.
DELIGHT IN NUTRITIOUS MEALS
One of the best perks of remote work is eating at home. You can create a fresh meal that doesn’t have to be refrigerated, and then warmed in a microwave. It opens you up to creative experiences and stimulates your brain. You are immersed in the process, so you can incorporate mindfulness in this activity. It can boost self-esteem. Of course, you’ll eat fewer calories, since you choose the ingredients. Sounds almost therapeutic, doesn’t it? It is!
LOW-IMPACT EXERCISE IS YOUR NEW BEST FRIEND
If you sit all day, you need core and back strengthening training. Think of Pilates and yoga as “mindfulness for the body.” I’ve been a yoga student for a while, but I didn’t start using Pilates until I started having back trouble. My favorite Pilates instructor is Jessica Valant, a physical therapist with a full line of Pilates workout videos. She is a fantastic instructor with a gentle spirit.
Enjoy this quick roundup for remote workers to increase wellness for the body, mind, and soul. Do you have a quick wellness tip you would like to share? Please comment below.
by IAmSavvy | Sep 25, 2022 | Solo Living
A quarterly tribute to the power of one. Here’s an inspirational quote to help you reflect on the past quarter. It’s set on a beautiful background. You can download it as a background for your computer or as a poster you can hang up. Look at it often as a source of reflection as you plan for your next quarter.
by IAmSavvy | Sep 18, 2022 | Recipes
Let the last weekend of the summer go out with sizzle! This quick, classy sangria can be ready in 5 minutes. It’s time to enjoy some of our favorite fruits before they go out of season. Make a glass, put your feet up and celebrate the sunset on the last day of summer.
Cherry Peach Sangria
This is a low-maintenance cocktail that is easy to make. You don’t need a pitcher; you can make this drink right in a tumbler. It’s easy to make with a fast clean-up.
Prep Time 5 minutes mins
Total Time 5 minutes mins
Servings 1
Calories 150 kcal
- 6 oz Cherry Moscato
- 2-3 Peach slices
- 1 Strawberry, large
- 3 Blackberries
- 1/2 Orange, medium
- 1 Lime slice, quartered
- 1 lime slice or medium strawberry optional
- Club soda
- Ice cubes
Place sliced peaches, strawberries, blackberries, and lime in a large tumbler.
Fill the tumbler with ice to taste.
Add the Cherry Moscato
Squeeze the juice of 1/2 an orange in the tumbler.
Top off the glass with club soda,
Add a lime slice or strawberry as a garnish.
Makes 1 glass of sangria.
Here’s a chance to have your favorite fruits one more time before they go out of season. Why make a pitcher of sangria when a glass will do? You’ll love the bright and fresh flavor Cherry Moscato brings to your sangria. So, this Sunday, make this sweet sangria and put on your favorite music. Get comfortable in your favorite chair and salute summer as you watch the last beautiful sunset of the season.
