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Why February Is the Best Time to Recalibrate Your New Year’s Resolutions

If you took my advice to heart last month, you ditched those old New Year’s resolutions that never worked. Instead, you made some great new resolutions based on the right whys, and you gave yourself permission to take time for your own self-care. But now, just over a month into 2016, you’ve got a ton of things to do and you can feel the impending resolution crash.

We start the year bursting with determination and diving into behavior change. But it doesn’t take long for the roar of life to come thundering back. Buy special food? Complete five workouts a week? What were we thinking? We suddenly recognize that our resolution plan may have been more grounded this year, but it was still crazy ambitious and will never work.

Hold that thought. This is not the time to give up. Actually, it’s the perfect time to make a small course correction that will make a long-term difference.

Why Resolutions Crash So Quickly

Think about it: The holidays are famously filled with fun, stress, eating, drinking, family pressures and time off work — and then more eating, drinking and stress. We enjoy it all up to a point, and then we go past that point. We feel sluggish, tired and maybe a little depressed and mad at ourselves.

So we’re determined to get it right in the new year. But the problem is, we make our resolutions while we are in a bubble of gluttony, disgust and fantasy. Trapped in this bubble, feeling an intense desire to escape our current bodies, eating habits and selves, we are filled with determination and willpower to change everything.

But then, we’re forced to make those changes in the real world. After only a few weeks, everyday life is back: unexpected needs, busy schedules, family crises and not enough sleep. We feel overwhelmed by — and even resentful of — the resolutions we were so excited about and committed to on Jan. 1.

Why Now Is the Time

This month, most people throw in their resolution towels. But what many don’t know is that now is actually the perfect time to become successful and stick to their resolutions. Think of it this way: You haven’t spent the past few weeks “failing” to execute your plan, you’ve spent your time gathering valuable data on what really works for you.

For example, did you like the spinning class you started? Does the food your new eating plan requires feel satisfying — or punishing? By reflecting on your answers to these types of questions, you’ll be gaining insight into what will and won’t work for you in real life. Then, you can use those insights to tweak your plan so it’s more in line with your personal reality.

Recalibrated resolutions:

— Reflect the real you.

— Feel good.

— Are enjoyable.

— Are realistic.

— Are adjustable in the face of time constraints and life’s curveballs.

Take this quiz for a personalized report about how you can recalibrate your resolutions and prevail in 2016. And remember: Be compassionate with yourself during this learning process — research shows it’s a much more motivational strategy than the alternative: negative self-judgment.

More from U.S. News

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Why February Is the Best Time to Recalibrate Your New Year?s Resolutions 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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