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The Psychology of Fresh Starts

Human beings favor neatness. I’m not talking about maintaining a tidy garage or a clean kitchen — although we enjoy that, too — but rather psychological neatness. Consider something like list-making. Browse the Internet, listen to a movie critic or flip on (reruns of) “The Late Show with David Letterman” and you’re bound to discover lists of 10. But why 10? How come there are always conveniently 10 exceptional movies during a calendar year? Or precisely 10 holiday gifts you simply must buy?

Well, there aren’t.

Sometimes, there are only eight must-see movies, but alas, eight is not a psychologically-satisfying number. Ten is. It’s round, whole, complete. The pitch of our voice naturally drops in finality when vocalizing the number after counting the first nine. Toddlers “know how to count” when they can make it to 10 in the proper sequence. Have you ever viewed a “Top 11” list? Or heard a 3-year-old count to nine and stop there? Did it make you feel unsettled and uneasy? Me too!

We don’t lean toward finding neatness in the 10-item list, for instance, until we’re aware of it as a societal construct. No infant emerges from the womb understanding the importance of this — we’re taught that counting to 10 is a milestone. So this, then, becomes our reality.

There are other areas in which our leanings toward neatness emerge. Take goal-setting, or the act of identifying and working toward a desired result. This, unlike our preferences for 10-item lists, is a naturally-present, firm part of the human condition. We all have aims, whatever size, and figure out ways of achieving them. The professional baseball player taking extra batting practice and the third grader striding toward the water fountain during recess are both successfully engaging in the act of goal setting — one seeking to enjoy his first 200-hit season, the other to momentarily enjoy quenched thirst.

While goal-setting is a naturally-occurring phenomenon — we always, and will always, have needs to meet and desires to fulfill — some of us choose to set our goals at intriguing times like the start of a new calendar year. That decision is often influenced by societal norms more than personal readiness.

But why Jan. 1? Where is it stated that Jan. 1 is the best day for us all to make permanent behavioral changes? What makes it better than March 4 or Oct. 18? Do you wake up on Jan. 1 feeling differently, and naturally more motivated to better yourself? Me neither!

And why do we tend to set such lofty goals for that date? For a country that suffers so epidemically with obesity, the rate at which we set health-driven goals on New Year’s Day paints us inaccurately as a wellness-conscious population. In reality, we’re convenience-conscious over wellness-conscious. Sure, our intentions are good. Gym memberships skyrocket in the month of January only to be cancelled in February or go unused throughout the year. This happens largely because it becomes too inconvenient to achieve the level of wellness we desire.

Never in my decade of working with exercisers have I come across someone who said, at the start of a new year, “I’m cutting sugar from my diet because I’m ready to make the change.” (Well, they may claim this.) But greater truth lies in the statement, “I’m cutting sugar from my diet because I’m told this is a good time to make the change.” This is a critical distinction because why someone engages in sustained exercise is meaningful.

The most powerful motivator, called intrinsic motivation, comes from within. Your motivation is intrinsic when you begin exercising for the inherent pleasure of doing so. Because the heightened energy after the workout makes you feel good; because better health means being able to spend more time outdoors with your children; because the activity itself is enjoyable. When we work out for intrinsic reasons, we gain feelings of self-control and empowerment, since our reasons are our own.

Those who are motivated extrinsically — driven to exercise by a desire to gain attention from a co-worker, receive material rewards or incentives, or because “Dad told me to” — engage in the activity as a means to an end, often to obtain something they want or to avoid realizing something they don’t desire. “I’d like to turn my health around” is an intrinsically-oriented statement. “I’d like to turn some heads” is not. Research suggests those who adopt intrinsic motivators better maintain and adhere to exercise regimens.

So it’s head-scratching when a community of people, with the utmost resolution, set their impressively high goals on Jan. 1 because external sources such as the media and the fitness industry advise them to. How convenient if our natural readiness to make health changes fell on Jan. 1, but that’s rarely the case. The New Year’s resolution is the ultimate extrinsic motivator.

And yet, studies show that people commit to their goals more fiercely after a major benchmark like New Year’s Day. Even a Monday is benchmark enough. It’s the most popular day of the week for starting diets and stopping smoking. There’s something alluring about the cleanliness (or neatness?) of the slate that Jan. 1 presents. A new year represents a new start, a new chance. And for those of us who might have failed last year, and the year before, who doesn’t like another chance?

Ultimately, the goal-setting process works best when we begin at our most ready, whatever the date may be. Consider the following simple takeaways in your own quest for wellness:

— Exercise often takes up lots of time and energy. Try to accurately identify your reason(s) for doing so.

— When you choose to begin making a change, is it because you’re ready, or because you’re feeling pressured or bored? Readiness is key.

— Start with an attainable, realistic goal. No need to impatiently expect getting into elite marathon shape by next month if you haven’t ever before run a 5K. Achieving a smaller goal will motivate you to set a higher, more challenging one. Give yourself the opportunity to feel accomplished at the start of your process.

— Appreciate the power of the benchmark. A fresh start — on a Monday, or a cherished holiday — might give you some momentum.

More from U.S. News

7 Mind-Blowing Benefits of Exercise

10 Excuses for Not Exercising, and Why They Won’t Fly

The 10 Best Exercises You Can Do for the Rest of Your Life

The Psychology of Fresh Starts originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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