Wednesday, April 26, 2017

Financial Fitness 411



A couple of weeks ago, I was lucky enough to take part in a Wellness Wednesday workshop titled “Financial Literacy 101”. The speaker, Dominica Scibetta, did such an incredible job providing the attendees with important knowledge, that I felt a desire to pass it on to my fellow 49ers.

As students, we have all struggled or are struggling with our finances. Becoming financially fit is important in every aspect of life. For instance, when trying to purchase a car, or rent an apartment, finances play a big role. Money problems are often the main cause of stress in relationships and student loan debt is at an all-time high across the nation. No matter how little or how much money you have, being smart with your money can reduce stress. This is the time to learn a few tips to stay financially fit.
1)      Track your income for one month. Any money that you receive, put it on the spreadsheet! If you work in the service industry and collect tips, start tracking the amount of tips you get on a daily basis.
2)      Track all of your expenses for the week (Or month).  Track it on phone or by downloading a free budgeting app like Mint.com. This gives you a starting point and helps you see where it all goes!
3)      Create a budget. Now that you know how you spend your money, create a budget that includes the necessities (leave nothing out) and always try to save something. See the following idea called the 80-10-10.
80-10-10 budget.
·        80% of your income is for necessities, such as rent, insurance, phone bill, groceries and any other household expenses.
·        10% of your income will go into a savings account. Having a small savings can be a stress reliever if any unexpected events happen (like a flat tire, or parking ticket)
·        10% of your income can be used towards any charity that you are passionate about. I know this may be difficult for some students but I feel it is something we can all strive for in the future.
Many people don’t realize how much they are actually spending on eating out and buying unnecessary things. After doing my own budget tracking, I realized that I spent more than $200 eating out in just two weeks! This was only eating out at places like Yogurtland, Subway and movie popcorn; no groceries! Since keeping track of my finances, I have set my budget for eating out to $50 and have yet to go over it.

Improving Your Relationship with Money
Talking about finances makes some people really nervous. If you get worried when you think about it, start changing your attitude about your relationship to money. Think positively and take control of your finances. Learning to spend wisely and saving for the future (and emergencies) will help you make big steps towards getting financially fit!

CSULB offers a lifetime financial fitness workshop and information online. 

For more information on how to get Financially Fit, check out this FREE resource: https://csulb.financialliteracy101.org/  Code: CSULB-ALL

By Keri Ichikawa

Thursday, April 20, 2017

6 Best Tips for Finals Prep!



Hey 49ers! So we are getting close to that time again as the end of the semester approaches.  No, not quite summer yet, more like final exam time! Even as I wrote that last line I felt a cringe in my stomach. Luckily, there are some tactics we can do as students to prepare for that time of high intense stress.


  1. Give yourself enough time to study This can be for college students especially when most also work. The best tip is to review any notes or handouts from class right before bedtime ever night or most nights. This will help you retain the information for longer periods of time.
  2. Organize study groups with your fellow classmates. Studying in a group helps one learn and retain information because students explain concepts to each other. Another person might use words that help you understand the concept much more clearly.
  3. Explain answers to others. Explaining a concept to a classmate enhances knowledge and understanding also increases. Through the process of explaining information out loud, we are able to see if there are any trouble areas that require more study time.
  4. Make flashcards. For classes that require a lot of memorization, flashcards are your best friend. They are portable, so you can throw them in your bag and pull them out whenever you have extra time, like riding the bus, or waiting in line, or waiting for a class to start. Cut flashcards in half so they are more portable and it saves money. For those students who want to save paper, there are free apps available for this. Quizlet is one of them, this app is great because you can share them with other people.
  5. Keep exercising regularly. Even if that means taking a walk in between study sessions. Keeping the body active will help to reduce stress and improve blood circulation. It is also one of the best ways to reduce stress, boost your memory and help you sleep better. Some people even use this as a chance to listen to recordings of themselves repeating information about the topic they are studying.
  6. Eat food that helps you study. Yes, there are foods that help with concentration and memory. Foods like blueberries, yogurt, fish, nuts, seeds, and even dark chocolate all have the ability to keep energy levels up and increase our focus.

Try out these suggestions to make this the best semester ever! It might help change your grades and boost your GPA!

By Keri Ichikawa



Friday, April 14, 2017

The Latest in Birth Control News




With the recent withdrawal of the American Health Care Act, a Republican-sponsored bill that would have repealed the Patient Protection and Affordable Care Act (ACA), supporters and patients of Planned Parenthood can take a momentary sigh of relief. During his campaign and after winning the 2016 presidential election, President Donald J. Trump promised Americans that he would fight to “repeal and replace” the ACA, signed into law by former President Barack Obama in 2010. But after House Republican leaders pulled legislation to repeal the ACA from consideration on the House floor, President Trump’s promises fell flat.
Repealing the ACA would have eliminated Medicaid funding for Planned Parenthood clinics for one year--funding that represents 30% of their budget. A de-funding of Planned Parenthood would have decreased the accessibility and affordability of basic health
care services especially among low-income women. Planned Parenthood offers many types of birth control, sexual health counseling, cancer and diabetes screenings, STD testing, and vaccinations. Clinics across the U.S. provide such forms of birth control as condoms, the pill, the implant, the IUD (intrauterine device), the patch, the Depo-Provera shot, and the NuvaRing. Although they do provide abortions, this is only 3% of the services that they offer.  Men and women with already limited access to primary care greatly benefit from the free or low-cost services provided by Planned Parenthood.

In fact, as many as 5 million women, men, and adolescents worldwide are served by Planned Parenthood in a single year. That includes sexual and reproductive health care, education, information, and outreach. Through these services, Planned Parenthood health centers focus on prevention of unintended pregnancy and support an individual’s right to make informed decisions about their own body.
By Monica Roque

Friday, April 7, 2017

How to Help a Friend in Need


At the beginning of the school year I had a health scare. I was in and out of the emergency room for chest pain, shortness of breath, and body aches that would not go away. I ended up on bed rest for three weeks—the longest three weeks of my life.

What made these longest three weeks of my life bearable were my friends. I would receive multiple texts and phone calls each day from them. Some even came to visit me at home and brought me food. None of the medicine that the doctors prescribed helped me as much as my friends being there to take my mind away from my boredom, pain, and worries. I was able to talk to them about my concerns like falling behind in school, not knowing for sure why I am on bed rest, and other crazy things that popped in my mind. I’d like to say that if it were not for my friends, I would not have recovered as quickly as I did.

Although we may take it for granted, friends are an important part of most people’s lives. They are an important support system—we laugh with them and cry with them. However, it is important to be there for our friends when they need us.

Having a friend in need is sometimes uncharted territory. Figuring out ways to be helpful is not always clear. So here are a couple of ways to be there for a friend in need:

1.      Listen. Sometimes a person needs to be heard. Being an outlet for a friend with a lot on their mind might help them think through the problem they are working though. Being a good listener can be reassuring and strengthen the bonds of friendship.
2.    Don’t pry. Your friend may not be ready to share certain details. When they are ready they will tell you.
3.      Don’t ask how you can help. Sometimes your friend does not want to bother or burden you. Even if that is not the case, it is one more thing to think about when their energy needs to be focused on the problem at hand. Instead, bring them lunch, run an errand for them, or even take them to the movies!
4.   Be there for your friend. Make sure that your friend knows that you are there for them. Setting time aside to spend with them might be a break from an already stressful life. Be sure to check-in on them, but let them know if its okay if they don’t respond.
5.     Know your resources. If your friend needs a professional to talk to there are many resources available including the Counseling and Psychological Services on campus and the National Suicide Prevention Lifeline: 1-800-273-8255.
6.    Seek help. If someone is threatening their own life or some else’s life, bring your friend to the Emergency Room or call 911 immediately.

Life’s challenges happen to the best of us and it’s okay! Knowing that you have a supportive friend can make all the difference on getting through it. People are social creatures by nature, and friends are a powerful medicine!

References

DeMeo, T. (2016, March 09). How to Be a Friend in Need -- Seven Tips That Can Help a Troubled Friend. Retrieved April 06, 2017, from http://www.huffingtonpost.com/terry-demeo/how-to-be-a-friend-in-need----seven-tips-that-can-help-a-troubled-friend_b_9418726.html\

The Jed Foundation, Facebook, the Clinton Foundation, Facebook, Instagram. (2014). Help a friend in need. The Jed Foundation.

By Marissa Mayeda

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