Managing debt effectively involves setting clear, achievable goals and creating a structured plan. A good approach is using the SMART framework—ensuring that your debt repayment strategy is Specific, Measurable, Achievable, Relevant, and Time-bound. Here’s how you can apply SMART strategies:
Be Specific! Define the exact amount of debt you want to pay off. Instead of a vague goal like “reduce debt,” specify “pay off $5,000 in credit card debt.” List Your debts! Break down which debts need to be paid first, whether they are credit cards, loans, or other liabilities.
Make it Measurable! Identify a way to track your progress. Regularly check how much debt you’ve repaid. For example, you could track your debt in monthly statements or use budgeting apps. Also, set milestones. Break your larger goal into smaller, measurable targets – for example, paying off $1,000 of a $5,000 debt each month.
Is itAchievable? Set a realistic repayment plan. Consider your current financial situation—how much you can afford to pay each month. Make sure your goal is within reach given your income and expenses. Consider interest rates and prioritize high-interest debts first, such as credit cards, to reduce the overall amount paid in interest over time.
How Relevant is this? The debt repayment should tie into your broader financial goals, whether it’s improving your credit score, saving for a down payment, or achieving financial independence. Understand why paying off your debt is important to you. Whether it’s peace of mind, improving your financial health, or reducing stress, make sure your goal is personally meaningful.
It’s got to beTime-bound! Assign a target date for paying off your debt. For example, “Pay off $5,000 by the end of 2025.” Check in monthly or quarterly to ensure you’re on track and adjust as needed. This will help you stay focused on meeting your deadline.
By following these SMART principles, you’ll have a clearer, actionable plan that can help you stay on track with your debt management.
Using IFAS-generated budgeting tools, young people can learn to manage their money and begin saving and investing in the future. (UF/IFAS Photo: Tyler Jones. IFAS Extension calendar 2009)
Once you have taken the steps to build your SMART debt management plan, consider using the debt snowball or debt avalanche methods to aid in reaching your goal. These methods are popular strategies for debt repayment. Debt snowball involves paying off the smallest debt first, while Avalanche focuses on paying off the highest-interest debt first.
Find an accountability person that you can share your goal with and who will support you as you work to meet your goals. Planning regular check-ins with this person to monitor progress helps maintain positive energy and will lead to success.
It is a good idea to work on building a small emergency fund while paying off debt to avoid falling back into debt in case of unexpected expenses. Once you have eliminated your debt, grow your emergency fund even more.
It is important to celebrate your success of managing and erasing your debt. Just be sure the celebration doesn’t lead to finding yourself in debt again! A celebration might be a call to a friend or family member to share the great news or helping someone else use the SMART principles to set a goal they have.
For more information on managing your debt, contact your local UF IFAS County Extension Office.
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.
Tea dates back thousands of years and spans numerous continents and civilizations. Tea contains antioxidants known as catechins and flavonoids. Antioxidants work to neutralize free radicals, which are formed when cells burn oxygen for energy.
Photo by Adobe Stock
Researchers from the USDA reported laboratory tests found tea produces greater antioxidants than numerous commonly consumed vegetables. Results of several studies suggest that tea has potential protective effects against certain types of cancers. Several studies also have suggested that tea drinking may reduce the risk of cardiovascular disease.
There are many reasons for making tea, the second most consumed beverage worldwide, surpassed only by water, and part of a healthful lifestyle. Just as consuming fruits and vegetables daily provides vitamins, minerals, and fiber, drinking tea may help boost antioxidant intake.
Also, tea contributes to daily fluid intake, vital for the maintenance of fluid balance. Much of tea’s popularity can be attributed to its distinctive taste, aroma, and versatility. The health benefits of consuming tea suggest that it is a nutritionally healthy beverage choice. Whether you prefer tea hot or iced, it can be an important part of a healthy diet.
So, go ahead and brew up that cup of hot tea or a glass of iced tea and join the celebration of National Tea Day, April 21, 2024.
Tea Tidbits
On average, an 8-ounce cup of tea contains fifty milligrams of caffeine, about half the amount in coffee. The longer the brewing time, the more caffeine is in the tea.
Over 3.9 billion gallons of hot, iced, spiced, and flavored tea are consumed by Americans every year.
In the United States, Americans drink 80 percent of their tea over ice.
Summer is coming to a close, and Fall is in the air. What better way to kick off the Fall season than by bobbing for a deep red, bright green, or yellow apple? Currently, there are over 2,500 varieties of apples grown in the United States, and 7,500 varieties grown throughout the world. Apples are also grown in all 50 states. That is a lot of apples to celebrate throughout the month of October!
Photo source: Claire Davis, UF/IFAS Extension
Have you ever heard the saying, “An apple a day keeps the doctor away”? This was something that I was told throughout my childhood. I did not believe that an apple a day would keep me healthy and away from the doctor’s office. Now I understand that the saying is a tribute to the apple’s nutritional value and its health benefits. Per the USDA, an apple is an excellent source of fiber and vitamin C!
Fiber affects the rate of digestion of foods, the absorption of nutrients, and the movement of waste products (stool) through the colon. It also provides a substrate for beneficial intestinal bacteria (Cornell). Vitamin C supports your body’s health by forming collagen used to make skin, tendons, and blood vessels. Vitamin C also helps heal wounds, repair or maintain bones and teeth, and helps absorb iron (Medline Plus). It is best to eat the apple with the skin on, because the skin contains fiber and right under it is most of the vitamin C. One medium sized apple, about 2.5 inches in diameter, has a total calorie count of about 80 calories.
Apples are a great fruit to add to our diet! Check out a few ideas below on easy ways to add them in.
Photo source: Claire Davis, UF/IFAS Extension
Apples chopped up into bite size pieces taste great mixed in with a salad.
Mix up a yogurt dip using yogurt, cinnamon, and vanilla, to dip apple slices in. Or try spreading peanut butter over apple slices.
Add a peeled apple into a smoothie for added nutrients.
If you are not convinced yet, consider this. Apples are delicious, easy to carry around for a snack, low in calories, and can be refreshing on a hot day! With the hundreds of varieties available, there is an apple to suit almost anyone’s taste. Apples can be sweet, tart, crisp, crunchy, soft, or mushy, however you like them. Try an apple today!
Fiber, digestion, and health – Cornell University. (n.d.). https://health.cornell.edu/sites/health/files/pdf-library/fiber-digestion-health.pdf
Food data Central Search Results. FoodData Central. (2019, April 1). https://fdc.nal.usda.gov/fdc-app.html#/food-details/171688/nutrients
U.S. National Library of Medicine. (2023, January 19). Vitamin C: Medlineplus medical encyclopedia. MedlinePlus. https://medlineplus.gov/ency/article/002404.htm
What is a scam? A scam is a deceitful attempt to gain something of value from you, such as your personal information or funds. Scammers often pose as a genuine business or acquaintance in order to trick people into trusting them. Scam attempts are made over the phone, via text, in person, or through email. Scams target individuals of all ages, backgrounds, and income levels. Though seniors have traditionally been targets of scams, everyone is vulnerable.
It is important to protect yourself by recognizing the signs of scams. These signs can help keep you, your loved ones, and your money safe.
Scammers often pretend to be a person/place you recognize, to win your trust.
Scammers often tell you that there is a problem, or you have won a prize.
Scammers often pressure you to take action immediately (time limited).
Scammers often request you to pay in a specific way (store gift card or cash apps).
Tips to Protect Yourself from Scams and Identity Theft:
Don’t share passwords or account numbers – especially your Social Security number.
Change your passwords frequently. Make them complex. Store all passwords in a safe location.
Do not open suspicious texts or click on links or attachments in an email. DELETE THEM!
Don’t ever pay ahead of time for a guaranteed prize. If they request payment for taxes or other fees before you can receive a prize or prize money, it is most likely a scam.
Keep your personal information safe. Lock your mailbox and shred your bills and other important documents before throwing them in the trash.
Sound too good to be true? If you are skeptical, and/or something doesn’t feel right, it probably is a scam.
Be skeptical of deals that are “good for only today.” If you are pressured to act immediately (or else!), it probably is a scam.
Do You Think You’ve Been the Victim of a Scam? Now What?
Protect yourself from scams by following a few simple guidelines for protecting your personal information online and over the phone. (Photo source: Thomas Wright)
Report the Scam. Reporting scams can help protect others. Agencies can utilize the information gathered to record patterns of behaviors that can lead to criminal charges.
Contact Your Local Law Enforcement. Consumers can report scams to their local law enforcement office, particularly if their money or identity has been stolen.
Contact Florida’s Attorney General. Florida citizens who have been victims of a scam can contact the Florida Attorney General’s Office of Citizen Services at 1-866-966-7226 or file a report on their website.
Reach out to the FBI.The FBI site offers some personal safety resources regarding scams and fraud.
For more information about keeping you and your family safe from scams, identity theft, and fraud, please contact the UF/IFAS Extension office in your county.
