Spring 2012, Week 4

Sunday, May 6, 2012

  • Health: Include physical activity in your work day schedule. Devote a part of your lunch break to a quick walk.
  • Wealth: Save money on entertainment and vacation expenses. Look for discounts at resorts, theme parks, plays, concerts, sporting events, and museums.

Monday, May 7, 2012

  • Health: Drink healthy at breakfast: a small glass of citrus juice (e.g., orange or grapefruit) and low-fat (1%) or fat-free (skim) milk.
  • Wealth: Maintain a low debt-to-income ratio with monthly consumer debt payments (e.g., credit cards and loans) totaling 15% or less of monthly take home income.

Tuesday, May 8, 2012

  • Health: Drink healthy when eating out: water with lemon, flavored sparkling water (non-caloric) and tea with or without lemon.
  • Wealth: Maintain an emergency fund of at least three month's expenses. Even more emergency savings is better in tough economic times.

Wednesday, May 9, 2012

  • Health: Use spreads and sauces sparingly. Otherwise, calories and saturated fat can really add up.
  • Wealth: As long as you are working, never consider your education and job training finished. Continue to learn on the job and develop new marketable skills.

Thursday, May 10, 2012

  • Health: Serve healthy appetizers at parties: fresh fruit cubes, grilled and raw veggies, and pita bread with hummus.
  • Wealth: Cover the large financial risks in your life. Purchase adequate life, health, liability, disability, and property insurance.

Friday, May 11, 2012

  • Health: Set specific health improvement goals such as walking 3 miles a day (about 5,800 steps).
  • Wealth: Pay down debt with windfalls, such as a tax refund, that provide a nice chunk of change.

Saturday, May 12, 2012

  • Health: Create a new health improvement routine (e.g., exercise before work) and continue that routine so it becomes a habit.
  • Wealth: Learn more about personal finance. Visit www.mymoney.gov, the federal government's "one-stop shop" for financial education information from government agencies.

  1. Rutgers
  2. Executive Dean of Agriculture and Natural Resources
  3. School of Environmental and Biological Sciences