1. INSTRUCTORS The following slides require the addition of details specific to your college/state: 6 Student budget sheet 7 Review website – a state-specific version may be available for student budgeting information Chapter 8: Money, Health and Time Management

2. Money, Health and Time Management Chapter 8 1

3. In This Chapter You Will… Chapter 8: Money, Health and Time Management 2 Learn about several types of financial aid, how to apply for financial aid, and complete a scholarship search. Describe attitudes towards money, common overspending mistakes and how to fix them, and general money-saving techniques. Recognize the importance of personal health. Learn how to manage nutrition, exercise, sleep, and stress to optimize and maintain good health. Develop strategies to prioritize, allocate, and wisely use time.

4. Financial Aid Chapter 8: Money, Health and Time Management 3 Types of Financial Aid

5. Important Facts and Dates for FAFSA Chapter 8: Money, Health and Time Management 4 Free Application for Federal Student Aid (FAFSA) is FREE! Never pay to complete FAFSA. Application is for federal, state, and school financial aid. Eligibility: High school diploma, GED U.S. citizen or U.S. national OR green card OR permanent resident Registered for Selective Service (male 18-25) Maintain satisfactory academic progress Visit FAFSA website to check deadlines for your state and colleges.FAFSA website

6. Types of Aid Chapter 8: Money, Health and Time Management 5 Pell grants, college grants, state grants Scholarships Direct subsidized loan Direct unsubsidized loan Direct PLUS loans Private loans Work-study programs

7. Money Management Chapter 8: Money, Health and Time Management 6 [Insert student budget sheet on your campus]

8. Money Management Chapter 8: Money, Health and Time Management 7 Jump$tart’s Reality Check

9. Why Do We Overspend? Chapter 8: Money, Health and Time Management 8 Keeping up with others Using credit cards Maintaining previous lifestyle Impulsiveness Convincing yourself that you or someone else deserves it Underestimating expenses Debt has been normalized

10. Healthy Lifestyle Chapter 8: Money, Health and Time Management 9 1. Add more vegetables 2. Use whole grains for half your grains 3. Eat certain foods less 4. Choose lower sodium foods 5. Portion control 6. Healthy eating starts at the store 7. Drink healthy 8. Take time to enjoy food 9. Enjoy foods from many cultures 10. Balance calories in with calories out Top 10 Tips for Healthy Eating

11. Homework Chapter 8: Money, Health and Time Management 10 Living to 100 Activity

12. Managing Stress Chapter 8: Money, Health and Time Management 11 Stress is the body's reaction to a stimulus or challenge causing it to move out of a normal balanced state. Activity: Stress-Reducing Thoughts

13. How to Sleep Better Chapter 8: Money, Health and Time Management 12 Avoid caffeine, alcohol, nicotine, other stimulants six hours before sleep Have a relaxing bedtime routine Keep bedroom focused on sleep Invest in a good bed Get light and exercise during the day Keep same sleep-wake hours Stick to the plan

14. Time Management Chapter 8: Money, Health and Time Management 13 ABC Analysis A items B items C items important and urgent (need to be done soon) and related to lifetime goals important, but not urgent not important

15. Procrastination – Why Do We Do It? Chapter 8: Money, Health and Time Management 14 Belief you can handle it better later Short-term relief Failure to find meaning in task Allow distractions to get in the way Assuming someone else will do it Getting caught in a cycle of guilt

16. Chapter Summary Chapter 8: Money, Health and Time Management 15 Describe how good health benefits school, work, and life in general. Understand how to maintain good nutrition. Describe the benefits of exercise and how to keep it as a lifelong habit. Describe good sleep habits and why they are beneficial. Understand the latest research behind stress and how it can be healthy.