The new year brings out an age-old human urge to reorganize life for the better. People have been making seasonal resolutions for centuries, almost all of which focus on improving one’s lot in life. A decision as simple as refinancing college loans is a prime example. In the 2020s, many are doing all sorts of things to make their own lives, and the lives of others, more rewarding and less stressful. Here are some of the most effective tactics for getting the job done.
Refinance Education Debt
Whether you have one or a dozen student loans, the fastest way to lower monthly expenses is to refinance them into a brand-new agreement. Not only does a refi offer borrowers the chance to clean up their books by eliminating multiple debts and trading them for one, but it also gives them the opportunity to take advantage of better rates, a lower total monthly payment, and more reasonable payback periods. Those who opt for NaviRefi student loan refinancing get all that and more. The operative principle behind refinancing is that most working adults have better credit than when they first applied for college loans. Higher credit ratings and a few years of work history make a huge difference in the general scheme of things. That’s why millions of college grads currently in the workforce choose to refinance their education debt.
Donate Time to Someone Who Needs Help
Research local charities and social service agencies to see which ones could use your help with fundraising, administrative duties, or other chores. Speed things along by contacting the local public library. Staff members are usually in close contact with numerous agencies, charities, and organizations that need help in all sorts of areas. Or speak with a pastor or rabbi to find elderly individuals who could use help with lawn work or shopping. Sometimes, making another person’s life a bit easier is a reward for the person doing the giving. Once you make a connection with a charity or individual, consider making the arrangement permanent or expanding your efforts to include more recipients.
Devote 15 Minutes Per Day to Stress Prevention
It’s easy to forget about self-care, particularly if you work a demanding job and rarely have time to relax fully during the week. That’s where a scheduled 15-minute relief session comes in handy. Set aside that amount of time to do whatever decreases your tension and stress levels. Consider yoga, stretching, early morning walks, meditation, prayer, nightly warm baths, listening to relaxation tapes, or anything you can do regularly to add a dose of stress relief to your life. You can even implement cleaning tips to improve your mood and keep your home low stress.
Make a List of Personal Goals
For those who want to tackle multiple goals and are willing to expend the energy it takes to do so, one aim is not enough. If you fall into that category, try setting five smaller goals instead of one large one. Perhaps you have been procrastinating about cleaning out the attic, starting a part-time e-business, remodeling a spare bedroom, or installing an outdoor hot tub. Go through your personal roster of long-term projects and choose five that can be completed before Dec. 31 rolls around.
