How to Get Student Loan Forgiveness For Nurses

Student loan debt is a common hardship for those pursuing higher education, and it can be especially difficult for those in professions that place a strong emphasis on public service, like nursing. Nurses who are drowning in college debt do have some hope, though, thanks to student loan forgiveness programs. This article will examine the different paths nurses might take to pay off their education loans, focusing on situations like teaching, public service, and disabilities.

 

Understanding Student Loan Forgiveness

Under certain conditions, debtors may be eligible for student loan forgiveness, which allows them to have all or a portion of their debt forgiven or erased. These initiatives are intended to lessen the financial strain on professionals who work in crucial industries, provide public services, or experience unforeseen life circumstances like disability. Understanding how to make use of these programs is essential for nurses, who frequently deliver essential healthcare services.

 

1. Public Service Loan Forgiveness (PSLF)

The outstanding balance on Direct Loans is waived under the Public Service Loan Forgiveness (PSLF) program, a federal effort, following 120 qualifying monthly payments made in accordance with a qualified repayment plan while employed full-time by an eligible company. In the case of nurses, this entails working for the government, a non-profit offering public health services, or specific non-profit groups.

Eligibility

• Work for an eligible employer full-time (at least 30 hours per week).
• Possesses Direct Loans.
• Join an eligible repayment program, such as an Income-Driven Repayment program.
• Make 120 Qualifying Payments while satisfying the prerequisites listed above.

2. Teacher Loan Forgiveness

Although this training is primarily geared toward teachers, nurses who offer direct classroom-based teaching or education services can also benefit from it. You might qualify for this program if you work in a low-income school or educational services organization.

Eligibility

• Work five years in a row in a low-income school or educational services organization that qualifies.
• Have Federal Family Education Loans (FFEL) or Direct Loans.
• Loan forgiveness of up to $17,500 is available to highly qualified math, science, or special education teachers.
• Loan cancellation of up to $5,000 for additional teachers.

3. Total and Permanent Disability (TPD) Discharge

How to get Student loan forgiveness for disability? A nurse may be qualified for a discharge of their federal student loans in the terrible event that they become fully and permanently handicapped. Borrowers are released from their loan repayment obligations by the TPD discharge if they meet eligibility requirements.

Eligibility

• Give the Department of Veterans Affairs (VA) paperwork attesting to your disability.
• Submit a doctor’s certification attesting to your impairment and saying that you are unable to perform any substantial gainful activity as a result of your condition.
• If you are a veteran, you can provide evidence from the VA proving that you are disabled as a result of your service.

4. State-Specific Programs

Nursing professionals, especially those in healthcare, are eligible for loan forgiveness or repayment aid programs in several states. These initiatives frequently aim to entice experts to work in poor or remote regions where there is a dearth of healthcare resources.

Eligibility

• Work within a state’s designated region of scarcity.
• Commit to serving for a set amount of time, typically a few years.
• Meet the criteria set forth by the state program.

Also Read: What Is a Stafford Loan? Learn About Federal Forgiveness Options

 

5. HRSA Nurse Corps Loan Repayment Program

The HRSA oversees this program, which provides registered nurses, such as nurse practitioners and nursing faculty, with loan repayment aid in exchange for work in impoverished regions.

Eligibility

• Work as a nurse faculty member or at a Critical Shortage Facility (CSF).
• Serve in a region with a high need for at least two years.
• Receive money to pay off your qualified loan balance up to 60%.

 

Navigating the Application Process

The process of making an application for student loan forgiveness can be difficult and time-consuming. Follow these guidelines to guarantee a successful application:

1. Research and Eligibility

It is essential to do extensive study on any forgiveness programs for which you may be qualified. Understanding the qualifying requirements for each program is the first step to submitting a successful application. Spend some time reading the program criteria to make sure you meet all the prerequisites. Detailed information about each program can be found on the websites of relevant government organizations, such as the HRSA Nurse Corps or the U.S. Department of Education.

2. Loan Consolidation (if necessary)

Consolidating your current federal loans into a Direct Consolidation Loan can be essential if they are not forgiven. The Public Service Loan Forgiveness (PSLF) program, for example, only accepts Direct Loans, which is a crucial point to keep in mind. Your loans may become eligible for PSLF if you consolidate them, but be aware that this process may reverse any progress you’ve made toward forgiveness.

3. Choose an Income-Driven Repayment Plan

Participation in an income-driven repayment plan is frequently necessary for forgiveness programs like PSLF. These plans make your monthly payments more reasonable by adjusting them in accordance with your income and family size. Income-driven repayment programs occur in a variety of forms, including IBR, PAYE, and Revised Pay As You Earn (REPAYE). Select the strategy that most closely matches your financial condition and aspirations.

4. Employment Certification

A crucial part of the application procedure is routinely submitting the Employment Certification Form. This form verifies that you’re on the correct track and assists in verifying your work eligibility. You can monitor your progress toward the necessary number of contributions by submitting this form on an annual basis or whenever you switch employers. Additionally, it gives you a chance to address any potential problems before they prevent you from receiving loan forgiveness.

5. Maintain Detailed Records

It’s crucial to keep track of every step of your road toward loan forgiveness. Keep thorough records of your employment history, payments, and any correspondence you have with program administrators or loan servicers. If any questions or problems develop throughout the application process, this material will be crucial. A well-organized record will also make it simpler for you to accurately fill out your final forgiveness application.

6. Follow Up

It’s a proactive move to cancel student debt is to regularly check in with your loan servicer to make sure everything is going as planned. Regularly checking in enables you to take care of any potential difficulties right away. Addressing any anomalies in your payment count or job verification as soon as possible will help you avoid future time and stress costs. Misunderstandings and delays in your application process can be avoided by communication with your loan servicer.

7. Submit the Final Forgiveness Application

Once you’ve made the necessary amount of payments and complied with all other requirements, it’s time to submit the final application for forgiveness. You must submit documentation of your eligible employment and payments in this phase. Review the directions provided by the program administrator carefully, as the procedure may vary based on the program. Before submitting any documents, make sure they are all double-checked, correctly filled out, and attached.

The Benefits of Student Loan Forgiveness

Nurses can gain a lot from student loan forgiveness programs that go much beyond simple financial comfort. These programs are made to honor the commitment and vital contributions of professionals like nurses while also providing them with a way to lessen the weight of their student loan debt. The following are some major advantages that nurses can get from participating in these programs:

1. Debt Relief

The release from a large financial load is the benefit of student loan forgiveness that is most evident and immediate. Nursing graduates frequently have large student loan debt, and the resulting monthly payments can be financially burdensome for years. By receiving loan forgiveness, nurses are able to divert money that would have been used to make loan payments to other crucial aspects of their lives. They may be able to save money, make investments, or spend it on important things like home ownership, family needs, or additional education.

2. Career Flexibility

Loan forgiveness programs encourage people to stick with their chosen careers, which is crucial for nurses. Because of the importance of nurses to the healthcare system, there is a great demand for their knowledge and abilities. These programs allow nurses to concentrate on their professional objectives and aspirations without being primarily driven by financial worries by providing loan forgiveness. The flexibility to explore other professions or pursue advanced degrees without worrying about being burdened by student debt as a result can increase work happiness.

3. Public Service Contribution

Many student loan forgiveness programs demand that participants work for nonprofits or in impoverished communities. This is particularly valid for initiatives like the Nurse Corps Loan Repayment Program and PSLF. These programs give nurses who are driven to improve their communities the chance to balance their professional aspirations with their desire to help others. Nurses can significantly contribute to the improvement of the general health and well-being of their communities by working in places where there is a shortage of healthcare services.

4. Professional Growth

Programs for loan forgiveness can also help people advance professionally. These programs allow nurses to concentrate on continuing education, attending conferences, and pursuing certifications that can improve their skills and open doors to new career prospects while providing financial assistance. The finest patient care requires remaining current with the most recent developments as the healthcare industry develops.

5. Reduced Stress and Improved Well-Being

Student loan debt management can be stressful and detrimental to general well-being. Nurses who take part in loan forgiveness programs might lower their stress levels and improve their mental and emotional health. This can then result in improved work performance and better patient care.

Conclusion

Nurses have a valuable opportunity to lessen the financial burden of pursuing a nursing career through student loan forgiveness. Despite the complexity of the path, it is definitely worth it for the professional and financial rewards. As you follow this road, keep in mind that your dedication to nursing contributes to the improvement of the healthcare system as a whole, as well as the care of individual patients.

 

 

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Free Online Novels: Discover Where to Find Your Next Great Read

Reading books has significantly changed from being done traditionally in print to digitally. The way we consume has changed dramatically thanks to the internet, which is also true of books. Readers now have the option of reading novels online for free, thanks to the development of online platforms. In addition to making literature more approachable, this change has made a variety of genres, such as visual novels and graphic novels, more accessible. We will explore the world of online novels in this post, talking about their advantages, variety, and ease, with a focus on the accessibility of free options.

 

The Rise of Reading Novels Online

A journey to the neighborhood library or bookshop, picking up a physical copy, and submerging oneself in the author’s imaginary world was the conventional methods of reading novels. The ability to read novels online has challenged this convention in the digital age. Numerous benefits that adapt to the preferences and lifestyles of contemporary readers have resulted from this shift.

 

1. Convenience and Accessibility

The convenience of reading novels online is one of its most important benefits. Readers have quick and easy access to a vast library of international novels. This saves time and effort because there is no longer a need to travel to a physical site. Additionally, because internet platforms are available around the clock, readers can satisfy their cravings for literature whenever they want.

 

2. Variety of Genres

By offering a wide range of genres to accommodate different interests, online platforms have democratized the literary scene. The internet is a veritable gold mine of alternatives whether you enjoy science fiction, fantasy, romance, mystery, or modern fiction. This also applies to graphic novels and visual novels, which blend narrative with visual components to produce a distinctive reading experience.

 

3. Cost-Effectiveness

Cost is frequently a barrier to reading good literature. Online platforms have addressed this issue by providing a variety of free reading options. Now that novels are available online for free, readers no longer need to spend money on pricey physical copies. Because of this, reading has become more accessible to people who might not otherwise have had the wherewithal to engage in their reading habits.

 

Exploring Free Online Novels

The way we access and consume written information has completely changed as a result of the democratization of literature in the digital age. The availability of free online books has broadened the literary scene with the introduction of multiple online platforms, giving readers unmatched access to a diversified selection of high-quality literature. Let’s look more closely at some of the well-known venues that have thrown open the doors to this treasury of literature:

 

1. Project Gutenberg

With its huge library of more than 60,000 free eBooks, Project Gutenberg serves as a guiding light for the literary past. A sanctuary for fans of classic literature, this platform specializes in hosting works whose copyrights have lapsed. Project Gutenberg offers free access to classic literature for modern readers, including Jane Austen’s enthralling novels, Mark Twain’s funny writing, and Charles Dickens’ ageless works. Because of the platform’s dedication to preserving and sharing cultural treasures, future generations will continue to be enthralled by these masterpieces.

 

2. Wattpad

Reading and writing are now a team effort, thanks to Wattpad. This platform gives prospective writers a platform from which to exhibit to the world their talent as writers. With a diverse readership, authors share their short stories, novels, and poems, encouraging interaction, criticism, and conversations. Readers, in turn, have free access to a wide variety of information. The interactive features of Wattpad make it difficult to distinguish between authors and readers, fostering a vibrant literary community where there are no restrictions on storytelling.

 

3. Librivox

Librivox provides services for fans of audiobooks who wish to become fully immersed in reading through spoken word. This website provides a substantial collection of free audiobooks with a concentration on public domain titles. Librivox makes sure that literature is accessible not only via reading but also through listening, preserving everything from the rhythmic cadence of Shakespearean soliloquies to the gripping storylines of classic novels. Librivox offers a simple and rewarding aural literary experience, whether during commuting, exercises, or leisurely strolls.

 

 

4. Kindle Unlimited

 

While Amazon’s Kindle Unlimited subscription service does have a monthly fee, there are different methods of reading highly reviewed books for free. Right now there is a two months free promotion that will renew at $11.99 per month after the promotional period ends. Be sure to set a reminder and cancel autorenewal before you’re charged. Another route to free reading pleasure is to simply search Free Kindle Books on Amazon. Having an Amazon Prime account also gives you access to over 3000 books free of charge without signing up for Kinde Unlimited. Books care be read directly from Amazon’s cloud without the need to download to any of your devices.

 

5. ManyBooks

ManyBooks distinguishes out for its dedication to accommodating readers’ varied preferences. This platform makes sure there is something for everyone with a wide range of free eBooks in different genres. ManyBooks has a handpicked selection that may satisfy even the most diverse readers, whether you enjoy romantic romance, spine-tingling mystery, thought-provoking science fiction, or epic fantasy. Users of the platform can easily find their next literary fixation thanks to the platform’s user-friendly search and filtering capabilities.

 

6. Open Library

The literary gems of the past and the contemporary artistic expressions are perfectly merged by Open Library. This portal functions as an online library, providing access to both classic and modern literature in the public domain. Open Library connects these two literary worlds, whether you’re looking for the nostalgic embrace of classic literature or long to discover the novelties of modern authors. For those who want to explore the rich history of literature while remaining aware of the pulse of contemporary storytelling, it is a virtual haven.

 

Looking for deeply discounted used books?

Check out Thriftbooks.com. They carry over 7 million books and stand as one of the largest online retailers in the United States for secondhand books.

 

Visual Novels and Graphic Novels: What’s the Difference?

The digital age has cleared the door for creative storytelling formats that go beyond conventional textual narratives as they continue to transform the way we consume material. Prime examples of this evolution are visual novels and graphic novels, which provide readers with a multidimensional and aesthetically immersive experience in addition to reading.

In essence, the key difference lies in interactivity and presentation. Graphic novels are static, while visual novels offer choices and multiple paths, bridging the gap between literature and gaming. Both mediums offer unique storytelling experiences, catering to diverse preferences.

 

However, be careful on your search for visual and graphic novels for as a simple Google search could land you on a NSFW (Not Suitable For Work) website.

 

1. Visual Novels

Readers have a new way to connect with narratives because of the seamless blending of interactive components and storytelling in visual novels. These interactive stories frequently give readers decisions that influence the plot’s course, allowing for a variety of results and engaging storytelling experiences. Intricate stories are at the heart of visual novels, brought to life through a seamless fusion of written text, visuals, and occasionally even voice acting and music. The combination of these factors produces an experience that appeals to both the reader and the gamer in all of us.

 

Readers are encouraged to reread and play through the story several times to explore the range of options because their choices can result in different storylines as they move through the narrative. Readers have the freedom to explore and experiment in the world of free online visual novels without being constrained by a limited budget. Access to graphic novels in all genres—from romance to mystery to fantasy—is available on a number of platforms. Because of its accessibility, visual novels are now a dynamic medium that encourages readers to get fully immersed in stories in ways that go beyond reading traditional text.

 

 

2. Graphic Novels

The success of graphic novels is proof of the effectiveness of visual storytelling. The reading experience is enhanced by these narratives’ use of images to portray the story’s storyline, characters, emotions, and atmosphere. The synergy between the visually striking artwork and the thoughtfully written dialogue relates to readers on many different levels. Graphic novels give readers a clear visual image, whereas traditional novels rely on descriptive writing to create a mental picture. This not only improves the reading experience but also makes it possible to tell more intricate stories that profit from the extra layer of visual signals.

 

Graphic novels provide a thorough storytelling experience, from the characters’ rich world-building to their realistic facial expressions. Graphic novels have a home in online platforms, just as the world of traditional novels does so in the digital age. A large number of these platforms provide a variety of free graphic novels to download, opening up this appealing style to a larger audience. Readers now have more access to a variety of genres and aesthetic expressions, which has led to a renewed appreciation for the blending of narrative and visual art.

 

Conclusion

A new era of reading has begun in the digital age, giving readers unprecedented access to a vast body of literature. Reading is now a widely available pleasure for people all around the world, thanks to the possibility of reading novels for free online. The internet has a ton of possibilities to satisfy your desire for books, whether you prefer classic literature, modern fiction, visual novels, or graphic novels. The means by which we interact with literature will change along with technology, ensuring that the written word continues to be a dynamic and essential part of our lives.

 

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What is a Stafford Loan?

A Stafford Loan is a type of federal student loan offered to eligible undergraduate and graduate students to help cover the cost of education. It comes in two forms: subsidized (interest-free while in school) and unsubsidized (interest accrues). Repayment typically starts after graduation.

 

Stafford Loan Forgiveness

For many people pursuing higher education, student loan debt has grown to be a major source of stress. The burden of repaying student loans has become more difficult for borrowers as a result of increased tuition and living costs. There are, thankfully, options for help, like Stafford Loan Forgiveness programs. We will examine the specifics of Stafford Loan Forgiveness in this post, along with its advantages, prerequisites, and other relevant factors.

 

Understanding Stafford Loans

Undergraduate and graduate students may be eligible for Stafford Loans, sometimes referred to as Federal Direct Loans, which are a popular type of federal student loan. There are two types of these loans: Direct Subsidized Loans and Direct Unsubsidized Loans, and they are managed by the U.S. Department of Education.

 

Direct Subsidized Loans

Direct Subsidized Loans are a type of need-based financial aid created to help students who have a financial need that has been shown. These loans have a special feature that distinguishes them from other loan types: the government pays the interest for a predetermined length of time. This means that the government will pay the interest that accrues while the borrower is enrolled in school at least half-time, throughout the grace period following graduation, and during allowed deferral periods.

 

Students who do not have the financial resources to pay interest while completing their education may find Direct Subsidized Loans to be an appealing alternative because of this important characteristic. Direct Subsidized Loans ensure that borrowers are not burdened by growing debt while concentrating on their studies by alleviating them of the burden of accruing interest.

 

Direct Unsubsidized Loans

Direct Unsubsidized Loans are offered to graduate and undergraduate students without taking into account their financial need, in contrast to Direct Subsidized Loans. The government’s interest subsidy is not included with these loans. As a result, even when the borrower is enrolled in school, interest starts to accumulate on Direct Unsubsidized Loans the moment they are disbursed.

 

Although this feature may at first seem less favorable, Direct Unsubsidized Loans are a real option for students who might not be eligible for need-based aid or who need more money than subsidized loans can offer. Without demanding immediate interest payments, Direct Unsubsidized Loans give borrowers the option to postpone making interest payments until after they have completed their studies.

 

Is a Stafford Loan a Pell Grant?

A common source of confusion for many students is whether a Stafford Loan is the same as a Pell Grant. The short answer is no; they are not the same.

 

Stafford Loan vs Pell Grant

Stafford Loans are federal student loans that must be repaid with interest, while Pell Grants are federal grants that do not need to be repaid. Pell Grants are typically awarded based on financial need, while Stafford Loans are available to both undergraduate and graduate students, regardless of financial need.

 

In essence, Pell Grants provide financial assistance that doesn’t require repayment, while Stafford Loans are a form of borrowed funds with an obligation to repay. It’s essential to understand the difference between these two financial aid options when planning for your education.

 

Stafford Loan Interest Rates

Stafford loan interest rates are critical for students planning their financial futures. These rates, set by the government, can vary based on the loan type and the borrower’s academic level. The period of 0% interest rate during the COVID-19 emergency has ended, and standard interest rates have been reinstated. Commencing in October, borrowers will need to resume making payments. Below are the interest rates for direct loans first disbursed on or after July 1, 2023, and before July 1, 2024:

 

The Concept of Loan Forgiveness

A program called debt forgiveness gives borrowers the chance to have a part of their student loans forgiven or canceled in exchange for meeting certain requirements. By easing their financial load, borrowers are encouraged to pursue particular careers or take on public service positions that advance society.

 

Types of Loan Forgiveness Programs

Borrowers have access to many loan forgiveness options, each suited to a different career path and set of circumstances. Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness, Income-Driven Repayment Plan Forgiveness, and Military Service Loan Forgiveness are just a few of the initiatives included in this list.

 

Stafford Loan Forgiveness: Key Points

With the help of several different avenues, Stafford Loan Forgiveness primarily targets debtors with Stafford Loans and offers them the chance to lessen or pay off their debt. Consider the following important issues about the forgiveness of Stafford Loans:

 

1. Public Service Loan Forgiveness (PSLF)

A well-known route within the Stafford Loan Forgiveness program that is geared toward debtors with careers in public service is the Public Service Loan Forgiveness. Borrowers who work for qualified companies, such as governmental entities and nonprofits, may be eligible for loan forgiveness under this program. Borrowers must perform 120 qualifying monthly payments while employed full-time in an eligible public service position to be eligible. The remaining amount on their Direct Loans is forgiven once they have fulfilled these prerequisites. Those who are dedicated to serving the public and making their communities better will benefit the most from this training.

2. Teacher Loan Forgiveness

The Teacher Loan Forgiveness program provides a mechanism for educators who are crucial in determining the course of the future to reduce their student loan burden. This program offers loan forgiveness of up to $17,500 on teachers’ Direct Subsidized and Unsubsidized Loans as a way of rewarding them for working in low-income schools or educational support organizations. Teachers must teach in certain subject areas and fulfill other standards in order to be qualified. This program encourages professionals to improve impoverished neighborhoods in addition to recognizing the dedication of teachers.

3. Income-Driven Repayment Plan Forgiveness

Borrowers have a means to tailor their loan payments based on their income, thanks to income-driven repayment plans. The benefit of capping monthly payments at a proportion of the borrower’s discretionary income is one of the advantages of these repayment strategies, which include IBR, Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE). After 20 to 25 years of payments, these plans also provide the possibility of loan forgiveness. This option provides assistance to borrowers who might be dealing with long-term financial difficulties, even though the forgiven sum is treated as taxable income.

4. Other Loan Forgiveness Programs

The Stafford Loan Forgiveness program includes a number of career-specific programs designed for occupations with particular challenges and needs in addition to the aforementioned pathways. In exchange for loan forgiveness, these initiatives are intended to entice professionals to work in underprivileged or high-need areas. For instance, programs that offer assistance in exchange for their services in fields where their expertise is in great demand may be available to healthcare professionals, attorneys, and public defenders.

 

Applying for Stafford Loan Forgiveness

Applying for Stafford Loan Forgiveness includes completing a number of clear, program-specific steps that have been created for each initiative to offer forgiveness. An extensive overview of the application procedure for several Stafford Loan Forgiveness programs can be found below:

Public Service Loan Forgiveness (PSLF)

Each year or whenever there is a change in work, PSLF applicants must carefully complete and submit the PSLF work Certification Form. This form confirms the borrower’s eligibility and development. Borrowers can legally file for loan forgiveness under this program if they have successfully made a total of 120 payments that match the qualifications.

Teacher Loan Forgiveness

Teachers who want to take advantage of the Teacher Loan Forgiveness program must complete the Teacher Loan Forgiveness Application as accurately as possible. Once completed, this application should be sent as soon as possible to the approved loan servicer. In order to benefit from this program, one must complete the required five-year teaching commitment before being eligible for loan forgiveness.

Income-Driven Repayment Plan Forgiveness

After making the required number of qualifying payments, borrowers who choose the flexibility offered by income-driven repayment plans will be subject to an automated assessment for forgiveness. When these payments reach their peak, borrowers are then taken into account for loan forgiveness under the income-driven repayment plan.

 

Additional Considerations

Before making judgments, borrowers must carefully research the terms and conditions of each forgiveness program. Some forgiveness programs have severe standards, and if they are not met, forgiveness may not be granted.

 

The Future of Stafford Loan Forgiveness

At the national level, there is constant discussion and debate about student loan forgiveness. Potential adjustments to current forgiveness programs and the introduction of new programs may arise as politicians think of ways to lessen the burden of student debt. It is advised for borrowers to keep up with any developments and alterations to the student loan landscape.

 

Conclusion

A ray of hope is provided by Stafford Loan Forgiveness for people who are struggling with mounting student loan debt. Borrowers might find chances that fit with their professional goals and aspirations as they investigate the numerous forgiveness programs that are offered. To make educated choices and start along the path to debt relief, prospective beneficiaries are recommended to speak with their loan servicers and research the eligibility requirements of each forgiveness program.

 

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If there is one thing postpartum taught me is that you have to occasionally unplug and just take care of yourself. I’m someone who has always been on the go. Seriously, I look for new projects in my spare time. However, I recently realized that this kind of lifestyle and attitude is hurting me. In fact, it may even be harming my finances.

Why Self-Care is Important

Self-care is one of the most important investments you can make for yourself. There is a laundry list of potential benefits to practicing a regular self-care routine. It can help reduce and even eliminate anxiety, which we’ve talked about on the blog a lot recently. Practicing regular self-care can also improve your concentration and energy while reducing depression, frustration, and anger. Here are a few more perks…

• Ambition: You will want to do more to reach your goals if you take time to unplug.
• Mental health: It will improve your mental health and improve your outlook on life.
• Finance: Regular self-care makes you less likely to splurge and more motivated to reach financial goals.
• Reset: Sometimes we just need a reset to focus on what’s important and carving out time for self-care does that.

The problem most people have, myself included, is seeing the return on self-care. Any time I take a moment to unplug and take care of myself I feel like I’m losing money or missing out on new opportunities.

After reading more into the benefits of regular self-care though, I know it is the exact opposite. Without the chance to perform regular self-care, I’m likely missing out on opportunities because I’m burnt out or just staying afloat with my current workload. So, where is the balance?

Self-Care and Money

When it comes to your finances, the “treat yourself” mentality can be dangerous. What many people don’t consider is that self-care doesn’t have to be an expensive spa day. Self-care can simply be hitting the gym, going on a walk, unplugging to read a book and take a bath. Whatever your heart desires! It doesn’t have to cost an arm and a leg.

Your self-care can also look like going over your budget and taking the time to organize your finances. If it reduces stress/anxiety in your life, DO IT. This is the meaning of self-care. You are unwinding, reducing stress, and making your life a little easier/better. No matter what way you look at it, practicing a regular self-care routine can make all the difference in the world.

All of this above is said to remind you to be easy with yourself and make sure your needs are being met. If you start taking better care of yourself, everything else will fall into place, including your finances.

Readers, how do you practice self-care?

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Our fourth wedding anniversary was on Saturday. Normally, your fourth anniversary is celebrated with flowers and fruit. We had planned to have a few baby-free hours, grab some lunch, and maybe head to a strawberry patch where you can pick your own fruit and flowers. Unfortunately, I came down with a bad cold Thursday and wasn’t on the mend. So, we had to stay in. However, when has anything gone perfectly to plan? It suited us well.

Despite being down for the count for a few days, I’ve taken some time to reflect on our first four years of marriage. Wow, have we come a long way!

How We Celebrated Our Wedding Anniversary

As I mentioned above, our plans didn’t exactly work out. I caught a pretty bad cold and didn’t feel up to going out. So, we improvised, which has gotten us where we need to be in life so far.

There was a UFC fight airing at a normal time on Saturday. Generally, the fights don’t start until way after my bedtime. However, Saturday’s fight was over by 8 p.m. My husband is a pretty big fan of the sport, so we decided to spend the money to watch the fight here at home.

Additionally, we ordered takeout so I didn’t have to worry about cooking food and spending energy I didn’t really have. We stayed on the couch and I read bits of my book in the commercial breaks. While it was far from what we had planned, it seemed to be the perfect way to spend the day.

Reflecting on the Last Four Years

Even though our initial plans didn’t wind up happening, we still had a perfect (for us) celebration. It always seems to work out that way for us, honestly. No matter what happens, we always have what we need.

When we got married, we’d actually planned a huge ceremony in November. Instead, my husband wound up getting a job offer in Atlanta. We got married in March and high-tailed it down 85 South to whatever waited for us in ATL. Unfortunately, things were pretty crazy there. The job my husband was offered was essentially a scam, the house we were supposed to stay in had holes in windows (and ghosts), and we weren’t sure what was going to happen next.

Things worked out though. We found a high-rise apartment, my husband found new work, and we kept things afloat. When life threw us more curveballs, we always seemed to find a way to hit it out of the park. Our first Christmas together married we had bed bugs in the building. Our first anniversary together was the day everything was shut down in the U.S. due to COVID-19. Despite that, we found ways to rise above everything and still celebrate our love.

All of this to say, I hope that you find someone in your life whose love truly conquers everything else. It is nothing short of being magical.

Readers, do you have any advice for us on our fourth wedding anniversary? 

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I’ve often chatted about Dave Ramsey and the “Baby Steps” here on the blog. Ramsey hocks it as a tried-and-true way for anyone to get out of debt and get their finances on track. While his seven-step program is a great way to improve the fundamentals of your money management, especially if you are a novice, it doesn’t work for everyone. Like anything else with finance, there is no “one size fits all.”

What Are The Dave Ramsey Baby Steps?

If you aren’t already familiar, the Dave Ramsey Baby Steps are this:

1. Save your first $1,000 emergency fund. This is a starter fund! You’ll add to it later.
2. Pay off all of your debt, minus your mortgage. He suggest using the snowball method, which is effective.
3. After that, you’ll fully fund your EF. For Ramsey followers, he suggests having three to six months worth of expenses stashed away.
4. Once you have enough money for a serious emergency put away, it’s time to invest! Dave tells people to invest 15% of your income into retirement.
5. Save for your child’s education. Some people will be able to skip this one entirely if they don’t have kids.
6. Pay off your home early if you have a mortgage.
7. Build wealth and be charitable.

On his site, Ramsey sells this as an “Anybody Can Do It” money management plan. While the Baby Steps are solid, many fin-influencers don’t agree with Ramsey’s philosophies. Most can agree that there is no single financial plan that will work for everyone. 

Why Some Fin-Influencers Don’t Like Dave

As mentioned above, the main issue most people in the debt-free community have with Dave Ramsey is that he acts as if there is only one approach to your money. Anyone who has been in the trenches of their own debt free journey knows that not everything goes according to plan. My own debt-free journey has had a lot of ups and downs. We have paid off quite a lot of debt over the last few years, but we have also strayed away from focusing solely on debt.

Fin-influencers on social media roll their eyes at Ramsey’s advice a lot of the time. Usually, they say, the information he is sharing is fairly obvious. Many fin-influencers also don’t like how much money he has made off of people who are down on their luck. For example, he takes calls on his show to provide advice. Ramsey isn’t particularly nice to the callers and is blunt about their financial situation. Then he tells them a “one size fits all” solution exists and they have $200 to access all of the details.

Others simply don’t agree with his approach. For instance, our family does better with more than $1,000 to fall back on, especially with our new baby. Fully funding our EF is a priority right now. After six months or so of expenses is set aside, we will be able to start cutting down debt quickly.

At the end of the day, you’ll know what works and what doesn’t for your finances. You need a budget and a plan of attack. Beyond that, your financial journey is your own.

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Canine Longevity: 10 Dog Breeds Known for Their Impressive Life Expectancy

For dog lovers, ensuring a long and healthy life for their furry companions is a top priority. While genetics, diet, exercise, and healthcare all play crucial roles in a dog’s lifespan, certain breeds are renowned for their exceptional longevity. In this article, we’ll delve into the world of canine longevity and explore 10 dog breeds known for their impressive life expectancy, offering insights into their characteristics, health considerations, and tips for promoting a fulfilling life for your canine companion.

 

1. Chihuahua (Average Lifespan: 12-20 Years)

Despite their pint-sized stature, Chihuahuas pack a big punch when it comes to longevity. With proper care and attention, these tiny dogs can live well into their late teens or even early twenties. Regular veterinary check-ups, a nutritious diet, and plenty of mental and physical stimulation are essential for maintaining their health and vitality.

 

2. Dachshund (Average Lifespan: 12-16 Years)

Known for their distinctive elongated bodies and playful personalities, Dachshunds are also celebrated for their relatively long lifespans. However, their unique physique predisposes them to certain health issues, such as intervertebral disc disease. To promote longevity in Dachshunds, it’s crucial to monitor their weight, provide appropriate exercise, and avoid activities that strain their backs.

 

3. Pomeranian (Average Lifespan: 12-16 Years):

With their fluffy coats and lively dispositions, Pomeranians are beloved companions that often enjoy extended lifespans. Regular grooming, dental care, and socialization are essential for keeping these small dogs healthy and happy well into their senior years. Additionally, maintaining a balanced diet and providing opportunities for mental stimulation can contribute to their overall well-being.

 

4. Toy Poodle (Average Lifespan: 12-15 Years)

Toy Poodles are not only known for their intelligence and elegance but also for their impressive longevity. These adaptable dogs thrive in various living environments, from apartments to suburban homes, making them popular choices for families and retirees alike. Regular grooming, dental care, and moderate exercise are key to ensuring their longevity and quality of life.

 

5. Beagle (Average Lifespan: 12-15 Years)

With their soulful eyes and affectionate nature, Beagles are cherished companions known for their relatively long lifespans. However, they can be prone to obesity if not provided with sufficient exercise and a balanced diet. Regular walks, playtime, and mental enrichment activities are essential for keeping Beagles healthy and active throughout their lives.

 

6. Australian Shepherd (Average Lifespan: 12-15 Years)

Australian Shepherds are not only renowned for their intelligence and agility but also for their longevity when provided with proper care. These energetic and loyal dogs thrive on physical activity and mental stimulation, making them well-suited for active families and individuals. Regular exercise, training, and socialization are essential for maintaining their physical and mental well-being.

 

7. Lhasa Apso (Average Lifespan: 12-14 Years)

Originating from the Himalayan region, Lhasa Apsos are known for their distinctive lion-like appearance and independent nature. With their long, flowing coats, regular grooming is essential to prevent matting and maintain their overall health. Additionally, providing opportunities for mental stimulation and socialization can help keep Lhasa Apsos happy and thriving well into their senior years.

 

8. Jack Russell Terrier (Average Lifespan: 13-16 Years)

Feisty, fearless, and full of energy, Jack Russell Terriers are small dogs with big personalities and relatively long lifespans. However, their boundless energy can sometimes lead to behavioral issues if not properly channeled through training and enrichment activities. Regular exercise, obedience training, and mental stimulation are essential for keeping Jack Russells physically and mentally stimulated throughout their lives.

 

9. Shih Tzu (Average Lifespan: 10-18 Years)

Shih Tzus are known for their affectionate nature, elegant appearance, and relatively long lifespans when provided with proper care. Regular grooming, including coat maintenance and dental care, is essential for keeping these small dogs healthy and comfortable. Additionally, providing a balanced diet, regular exercise, and mental stimulation can contribute to their overall well-being and longevity.

 

10. Border Collie (Average Lifespan: 12-15 Years)

With their remarkable intelligence, athleticism, and work ethic, Border Collies are not only outstanding herding dogs but also long-lived companions when provided with appropriate care. Regular physical exercise, mental stimulation, and obedience training are essential for fulfilling their need for activity and preventing behavioral issues. Additionally, regular veterinary check-ups and preventive healthcare measures can help detect and address any health issues early, ensuring a long and healthy life for Border Collies.

 

Final Thoughts

While genetics play a significant role in determining a dog’s lifespan, proper care, nutrition, exercise, and healthcare are equally important factors in promoting longevity and well-being. By choosing a breed known for its impressive life expectancy and providing attentive care throughout their lives, dog owners can maximize their furry companions’ chances of enjoying a long, healthy, and fulfilling life by their side.