It can be a real struggle to stay healthy at the office. It's tempting to eat out every day for lunch, or to grab something quickly which isn't always the best option. Processed snacks fill up vending machines and seem like they're taking away your choice to eat something fresh. It's hard to consistently eat well, but here are some great tips for clean eating and saving money by bringing your own food to work.
Make It Convenient
Keep healthy foods at the front of your fridge and junk foods at the back.Getty Images
Eating healthy can be a huge pain, but if you lay the groundwork it can be a lot easier. People eat what's convenient because that's the way our brains are wired. If the easiest thing to eat were also the healthiest, you'd see a big difference in your habits. Cut up big bowls of fruit salad and take some to work to snack on, bring healthy alternatives to chips like carrots and hummus, and always check your processed food labels to make sure your 'healthy' granola bar doesn't have twice the sugar of a can of Coke. A big help with convenience is meal prepping so you can just grab your lunch on your way out.
Prepping Is Key
Prep in stages or all at once. It's on your schedule. Getty Images
Prep can be the worst part of making every meal. It takes up the bulk of the time. Still, it's crucial to make healthy meals in advance and luckily, there are different ways to do it. You could break it up so that you don't have to do it all at once, or you could make a big day of it. I find it easier to clean and cut up a whole container of strawberries and leave them ready in the fridge rather than clean a handful of strawberries each time I want a snack. It takes more time in the moment, but the rewards are substantial throughout the week. Yes, prepping also includes making a shopping list and planning the type of meals you want and what you need to buy. It's a process, but it's something you get better at with practice.
Give Your Meal a Home
Use Tupperware containers to prepare several meals for the week. Getty Images
Invest in your Tupperware if you want to bring your own lunch to work. If you have a nice set of containers, you can meal prep multiple meals for the week, and you don't have to worry about needing to wash the one you used the day before just so you can repack your meal for the next day.
Mix and Match
Roast veggies and meats together to save time and make multiple meals. Getty Images
If you get easily bored eating the same meal for lunch every day, learn how to prepare foods you can mix and match. Make more than one type of meat, grain, and vegetable, and rotate the combinations. This variety will make it easier to get excited about your lunch and cut down on the craving to eat out. You don't have to prepare a lot of each item, but be mindful of things that will taste good with a different range of sides.
Bring Your Own Snacks
Nuts and fruit provide a healthy energy boost that won't make you crash.Getty Images
If you suddenly can't make it to lunch and you're too hungry to go on, then you're going to rush to grab whatever snack you can find. If you pack your own snacks and have them on hand, then you don't have to worry about being forced to make unhealthy choices. A bag of nuts kept in your desk drawer won't go bad quickly, and bringing fresh fruit and veggies each day will be a nice reprieve from salty processed snacks.
Making healthy choices is difficult in our modern culture, and especially in our modern workplaces. If making better selections is important to you, then learn to love the groundwork and all of the benefits it brings.
Good luck and happy prepping!
The National Financial Educators Council (NFEC) surveyed young adults in 2017 and asked them what high school level course would benefit their lives the most.
The majority responded that money management was the course that would be most beneficial.
With personal debt is at its highest record and COVID-19 threatening to have the hardest economic effects on youth, understanding money and finances is an important life lesson that should be taught to children at a young age.
The following is a list of the best financial literacy lessons and tips to teach children throughout different life stages.
I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.
There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).
After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.
It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.
That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.
I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.
Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.
Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).
More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.
The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.
I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.
My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.
In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.
We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.
I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.
One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.
Here are 5 reasons why we are obsessed with horse racing thanks to TVG:
1. Betting has never been easier
Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.
2. The biggest selection of horse races out there
If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.
3. Get a generous sign-up offer when you place your first bet
Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.
4. Making deposits and cashing out at the touch of button
With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!
5. Watching live races with your friends while betting is exhilarating
Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.
With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.
TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.
The races just keep ramping up and thanks to TVG, I can always get in on the fun.