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financial advice
Wellness
Published Monday Apr 16, 2018 by Loretta Shapiro

How to Find Balance When It Comes to Your Finances

Expert Advice
Personal Growth

Tax season has come and gone (phew!), and while many Americans find themselves rolling in a refund, others will owe money. Whether you have a “windfall of funds”—extra money—or are reluctantly reaching into some savings to pay your taxes, these actions can create an attitude of “What am I going to do?” Save or spend? 

According to a survey from the American Psychological Association, more than 60 percent of Americans stress about money. Yep, you read that right. 60 percent! It’s important to remember that your health includes your wealth. If your finances are out of whack, so are you. And if you’re constantly worried about how you’re going to pay bills, this can take a toll on your emotional, mental and physical health.  

Looking to push the reset button on your cash flow? Follow these three tips to find balance in your financial life and get your overall wellness in check!

 

1. Rework Your Refund

Getting money back? It can be easy to spend it on something big, but maybe it’s time to rethink your refund. Take your tax return and apply the majority of what you get back from the government to any credit card debt you have. Start with the ones with the highest interest rate. Next, add some money—even if it’s not a huge amount!—to an emergency savings fund. Finally, don’t forget to spend a little on you! You worked hard, and you deserve to treat yo’ self. 

 
2. Build A Budget

The first step to finding financial balance is through creating a personal financial statement at least twice a year. The simple way to accomplish this is to take a sheet of paper and draw a line down the center. On the left side, list all your assets—funds in checking/savings, value of cars, home, and any property or investments that you may have. On the right, list the balances of all the debt (liabilities) that you have—what you owe on credit cards, loans, home loan, car loans, etc. At the bottom of the page, subtract the difference between your assets and liabilities—that’s your net worth. This practice will help you see your big financial picture. 


3. Make it Monthly

Now it’s time to establish a monthly financial statement. Again, the easiest way is to get a sheet of paper and list your total monthly income (take-home pay) at the top. Under this list, write down your monthly payments of all bills including house, car, credit cards, etc. Don’t forget to include things like daycare, cell phone bills, utilities, insurance, gym memberships, manicures—all monthly expenses. Need a little extra help? Consumer.gov has a few handy worksheets to use. Lastly, take a long, hard look at your monthly expenses and see if there are any items that you can live without. Are you spending $5 per day at Starbucks? Going out to too many work lunches? Can you make that $9 smoothie at home? It adds up! Trade dinners and drinks out for hitting the gym or going for a run. Slash those expenses and try to pay down some of the debt you owe.




Breaking down your finances so you can see where you are and where you are going is a real eye-opening experience. Bestselling author and finance guru, Jean Chatzky, says her money philosophy is to “spend less than you earn.” It sounds easy, but dealing with your dollars can be a challenge. Just like eating clean or exercising, be mindful of your spending and work on practicing financial balance daily to get ahead. It’s never too late to start!

Loretta Shapiro
Written by
Loretta Shapiro
Contributor | Financial Executive
About the author
Loretta Shapiro has a passion for exercise, health, and fitness. She has competed in over ten half-marathons, regularly runs 5Ks in her local area, and is a member of Tribe Team Fitness at her gym. Her role as a Bank Vice President keeps her desk-bound during business hours, so she tries to get active before or after work most days. As a mom of two teen daughters, encouraging people to lead a healthier and more financially fit lifestyle is her game!
dairy-free cheese healthy recipes
Wellness
Published Wednesday Jan 22, 2020 by Mckenzie Hathaway

Not Too Cheesy: Vegan "Cheese" Recipes That Taste Like The Real Thing

Recipes
Food
Nutrition

We all love cheese. And if you don’t love cheese, well, you just haven’t found the right kind for you. If you’re unlucky like me, however, cheese does not like you. Thankfully, we live in 2020, where plant-based cheese recipes are alive and well.

I have been dairy-free for a few years, and cheese is truly the food group I miss the most. As much as we try, we sometimes just can’t get vegan cheese to taste like the real thing. So, I recruited my dairy-loving, cow-consuming friends to be my taste-testers. Their brutal honesty helped me create some “fake” cheese that can actually compete with the real stuff.

Goat "Cheese" Ball

Did you know you can make mouth-watering “fake” cheese with macadamia nuts? Yes, macadamia nuts. If you’re craving that creamy consistency but your stomach isn’t down for dairy, try out this recipe inspired by Simple Vegan Blog

1
Goat "Cheese" Ball

Did you know you can make mouth-watering “fake” cheese with macadamia nuts? Yes, macadamia nuts. If you’re craving that creamy consistency but your stomach isn’t down for dairy, try out this recipe inspired by Simple Vegan Blog

Nacho "Cheese" Sauce

I know what you’re thinking: is this real? Is it too good to be true? No nuts, no fat, and it tastes good? You’re in for a treat. No one can tell the difference between this recipe and their favorite gooey cheese sauce. This recipe makes a lot of sauce, so be ready to share and shock your dairy-loving friends.

2
Nacho "Cheese" Sauce

I know what you’re thinking: is this real? Is it too good to be true? No nuts, no fat, and it tastes good? You’re in for a treat. No one can tell the difference between this recipe and their favorite gooey cheese sauce. This recipe makes a lot of sauce, so be ready to share and shock your dairy-loving friends.

Sweet Potato Mac N' "Cheese"

Feeling some cheesy FOMO? Get your macaroni and cheese fix with this deliciously dairy-free recipe inspired by Forks Over Knives. Enjoy all the creamy goodness with ingredients like cashews, turmeric, sweet potatoes, and gluten-free pasta. Yum! 

3
Sweet Potato Mac N' "Cheese"

Feeling some cheesy FOMO? Get your macaroni and cheese fix with this deliciously dairy-free recipe inspired by Forks Over Knives. Enjoy all the creamy goodness with ingredients like cashews, turmeric, sweet potatoes, and gluten-free pasta. Yum! 

"Cheese" Potato Fries 

The perfect side dish to go with your Impossible burger, these “cheese” potato fries will definitely take you to flavor-town. Whip up the sauce with cannellini beans, yeast, apple cider vinegar, and just add some seasonings to the potatoes for a healthy alternative to a classic meal. 

4
"Cheese" Potato Fries 

The perfect side dish to go with your Impossible burger, these “cheese” potato fries will definitely take you to flavor-town. Whip up the sauce with cannellini beans, yeast, apple cider vinegar, and just add some seasonings to the potatoes for a healthy alternative to a classic meal. 

Mckenzie Hathaway MINDBODY
Written by
Mckenzie Hathaway
Media & PR Specialist
About the author
From working at a fashion magazine to taking on the tech industry, Mckenzie is passionate about all things Public Relations. Outside of the office, you will find her trail running, swimming in the ocean, or creating plant-based recipes as she heals her body from autoimmune diseases.