by Sharlee Whiddon | Jul 19, 2024
You’ve heard the saying, “A penny saved is a penny earned,” but why, how, and where should you be saving?
Let’s begin with why you should be saving. While we hope that life goes smoothly and there are no unexpected emergencies, that’s just not realistic. It is important to begin saving so you will be prepared for emergencies that arise, things like when the dryer stops working or your car needs repairs or new tires. This can also be an account to help prepare for a planned vacation or a large, expected expense. Preparation is key!
Save regularly toward your goals – it will add up quickly! Photo source: UF/IFAS Extension
That leads us to the next pieces – how and where do you save? This all begins with taking the steps to open a savings account. These days, opening an account can be done from nearly anywhere. You might visit a financial institution’s local branch, make a phone call, or even go online. You will need to provide a few pieces of personal information for verification and often you are required to deposit a sum of money to activate the account. Once your account is open, you can decide how to add money into it. Perhaps you deposit a certain amount from a regular paycheck or funding source, maybe you would prefer to transfer funds from other accounts, or you can deposit cash or checks periodically.
One thing about a savings account is the money is typically not as accessible as money in a checking account. This is all by design – the funds you allot to your savings account should be left alone and not used frivolously. An advantage to a savings account is the interest earned on your money while you aren’t doing anything with it. It won’t be much in the beginning, but, over time, interest earned could be a bit of a boost to your savings, helping you reach your goals more quickly.
To reach goals, you need to plan them out – be SMART. SMART goals are Specific, Measurable, Attainable, Relevant, and Timed. Decide what you will be saving for and be specific. Will this account be for emergencies, vacation, or a vehicle? Your savings goal should also be measured in some way so you can track your progress. Ensure your savings goal will be attainable, set yourself up for success, and be realistic with the amount of money you are setting aside. Your savings goal also should be something you are excited to work towards to make it relevant to you. Lastly, give yourself a time frame for reaching your savings goal. Will this take a month, one year, five years? Whatever you decide, stick to your time frame. Being able to identify your goals will aid in your savings success.
by Sharlee Whiddon | May 24, 2024
No matter your age, good nutrition is key. When we choose to eat healthy, we are making a conscious effort to continually improve our well-being. When we teach young children about the importance of eating healthy, we are helping them to grow, develop, and maintain a healthy lifestyle they will carry on through adulthood. Making these smart food choices, along with regular physical activity, can significantly reduce the risk of developing serious health problems. For individuals who deal with chronic health problems, proper nutrition can aid in the management of their conditions. There are many other benefits that come with eating a healthy diet such as improved mood and mental health, a strengthened immune system, and more sustained energy.
In addition to the benefits of good nutrition, incorporating practical tools such as MyPlate can provide valuable guidance. MyPlate serves as a visual reminder of the types of foods we should be enjoying daily. It simplifies the process of making healthy choices by categorizing foods into five essential groups: fruits, vegetables, grains, protein, and dairy. By incorporating a variety of choices from each group into our daily meals, we make every bite count. Start by making simple adjustments to your daily meals. Whether you are cooking for yourself or your family, take time to plan out meals that include a variety of choices from each food group. If you are preparing for your family, make mealtimes a priority and connect with each other while preparing and enjoying meals together. Turn off the television, put away electronics, and enjoy time together as a family. Have conversations about the colors, texture, and flavor of the food being served.
Children often are more willing to try a food they have grown or prepared.
Photo credit: UF/IFAS photo taken by Camila Guillen.
Growing a garden at home is another fun way to get everyone adding more variety onto their plate. Start with fruits or vegetables that are familiar or even an herb garden that can grow in a kitchen window. Children of all ages will enjoy watching and tending to the garden. This may also inspire children and youth to assist with cooking and food preparation in the kitchen.
Remember, eating healthy is a choice you get to make every day. The importance of good nutrition cannot be overstated, regardless of age. Choosing to eat healthy is a conscious effort that has far-reaching implications for our well-being. By instilling the values of healthy eating in young children, we lay the foundation for a lifetime of positive habits, fostering growth, development, and the maintenance of a healthy lifestyle into adulthood.
