Refinancing student loans can help you pay off student loans fast without making extra payments. Refinancing means replacing multiple student loans with a single private loan at a lower interest rate. To speed up the loan, choose a new loan term that is lesser than your current loans.

Opting for a shorter term may increase your monthly payment, but you will pay your debt faster and save money on interest.

For example, if you refinance $50,000 from 8.5% interest to 4.5%, then you can pay off your student loans nearly two years faster. It will also save you about $13,000 in interest even when the payments stay about the same.

If your credit score is in the high 600s, you have a solid income, and your debt-to-income ratio is below 50%. then you are a good candidate for refinancing. 

Physical activity can raise endorphin levels in our body. Researches have proven that even 20 minutes of vigorous exercise can improve our mood and produce more dopamine. Any exercise such as walking on a treadmill or in a park, jumping a rope, or yoga can be effective. Regularly doing HIIT is the most effective in increasing dopamine in the body according to the latest studies. 

Consuming more water instead of other sugary beverages provides a benefit in the form of reduced calorie intake.

What’s more, drinking water is also good for temporarily increasing your metabolism as well. To put a number on this, drinking about 0.5L of water increases your resting metabolism by as much as 10-30 percent.

If you want to see even better numbers, drink cold water. The reason is, your body will need the energy to heat the cold water and bring it to the body temperature.

To lose weight, you cannot go from going pizza to starving or eating lettuce to lose weight. If you actually want to lose weight, you need all the vital nutrients that your body needs to function properly. Eating low-calorie food pushes your body to use the stored fat to make up for the missing calories which help burn excess body fat.

It’s best to break the news to your manager in person, but your resignation should always be accompanied by a resignation letter. In fact, some companies mandate the submission of a resignation letter for documentation.

Also, a resignation letter helps produce written evidence and ensures both parties are on the same page regarding the date of resignation and other particulars.

Ideally, include the following in your resignation letter:

· Your final day of working at the organization.

· A clarification on why you are leaving the organization.

· Expression of gratitude for giving you the opportunity in the organization.