A Little Bit Of Me | Lifestyle Blog by Charnita Fance

Student loans are a significant financial burden for millions of Americans. According to a recent survey , one in five student loan borrowers haven't made any payments on their loans. The high cost of living is a major factor contributing to the affordability challenges faced by borrowers. The survey also found that some borrowers are strategically delaying payments in hopes of loan forgiveness. However, the Biden administration's income-driven repayment plan is currently blocked by court orders. The Scope of the Problem Student loan debt is a major financial burden for millions of Americans. According to the Federal Reserve, the total outstanding student loan debt in the United States is over $1.7 trillion . This debt is held by over 43 million borrowers. The average student loan borrower owes over $37,000. However, the debt burden can be much higher for some borrowers. For example, borrowers who attended graduate school or professional school may owe over $100,000.

Let's face it, we've all scrolled through social media and seen those picture-perfect lattes topped with swirls of whipped cream and drizzles of caramel. They look delicious, sure, but they're about as far from real coffee as you can get. Here's the thing: coffee in its purest form is meant to be enjoyed black, and there are some seriously compelling reasons to ditch the sugar and embrace the bold, complex flavors of unadulterated java. The Health Perks of Going Sugar-Free A Longer, Healthier Life Recent studies have shown that drinking coffee – especially without added sugar – can actually help you live longer. That's right, your morning cup of Joe might just be the fountain of youth you've been searching for. Researchers found that people who drank unsweetened coffee were up to 21% less likely to die during the study period compared to non-coffee drinkers. Want to be notified about new posts?  Subscribe for a weekly dose  of content, inspiration, and persona...

Are you ready for a ghostly adventure that’s both thrilling and thought-provoking? Let me introduce you to “ The Ghost of Darwin Stewart ” by L.G. Nixon, a captivating tale that’s perfect for teens and young adults. This isn’t just any ghost story; it’s the first book in a series designed to engage young readers while exploring spiritual concepts through a fun, faith-based lens. Imagine a summer vacation that takes a wild turn when Lucy, our brave protagonist, stumbles upon a mysterious artifact at a flea market. What follows is an exciting journey filled with ghosts, shape-shifting entities, and the challenge of protecting her loved ones from dark forces. If you’re looking for a story that combines adventure with meaningful lessons about faith, you’re in for a treat! Disclosure: I received this item free in exchange for my honest review. All opinions are 100% my own. A Ghostly Adventure with a Purpose The story follows Lucy, a young protagonist who unknowingly becomes the keeper of a...

Are you ready for an adventure that's equal parts exhausting and exhilarating? Welcome to the toddler years! But don't worry, I've got just the thing to help you navigate this wild ride while keeping your sanity (and faith) intact. Let me introduce you to " Walking in Wonder ," the latest gem in Catherine Claire Larson's Wonder Series. The Wonder Series: A Spiritual Companion for Every Stage Before we get into the awesomeness of "Walking in Wonder," let's take a quick look at the Wonder Series. This collection of devotional journals is like having a wise, supportive friend by your side throughout your parenting journey. Disclosure: I received these items free in exchange for my honest review. All opinions are 100% my own. Waiting in Wonder: For the Expectant Mom Remember those nine months of anticipation? "Waiting in Wonder" is the perfect companion for pregnant moms. It's packed with:

If you're reading this, chances are you're on a similar rollercoaster ride as I am – trying to juggle high cholesterol, PCOS, and pre-diabetes all at once. Let me tell you, it's been quite the journey, but I'm here to share my experiences and hopefully make your path a little smoother. The Unexpected Plot Twist Picture this: There I was, thinking I was doing everything right. I'd switched to what I thought was a healthier diet – low-carb (under 100 grams per day), lots of veggies, fruits, meats, and high-protein snacks. No junk food, no fried foods. I was even exercising 4-5 days a week for 30 minutes. I felt like a health superhero! Then came the plot twist. My cholesterol test results arrived, and bam! My levels were pushing 300. Talk about a punch to the gut. I mean, come on! I'd been trying so hard , and this is what I get? It was enough to make me want to throw in the towel and dive headfirst into a vat of cherry vanilla ice cream (maybe one day?).

Are you looking for a way to deepen your spiritual journey and engage your family in meaningful discussions about faith? If so, the "Enduring Grace: A Church Year Journal" might be just what you need. This journal invites you to explore God’s Word in a structured yet personal way, making it easier to connect with the teachings of the Christian faith throughout the church year. Whether you’re a seasoned believer or just starting to explore your spirituality, this journal offers valuable insights and prompts that can enrich your understanding of scripture. What makes Enduring Grace truly special is that it caters to both adults and children, allowing families to grow together in faith. With features designed for each age group, everyone can participate in the journey of reflection and learning. From scripture references and seasonal introductions to creative activities and discussion prompts, this journal provides a comprehensive framework for engaging with the liturgical cal...

As someone who's always been interested in reducing my environmental impact, I was thrilled to get to try out the Luma Electric Kitchen Composter. After using it for a couple of weeks, I can confidently say that this innovative device has completely changed the way I handle food waste in my home. In this review, I'll share my experience with this impressive kitchen gadget and why I believe it's a must-have for anyone looking to embrace a more sustainable lifestyle. Disclosure: I received this item free in exchange for my honest review. All opinions are 100% my own.  This post contains affiliate links; as an Amazon Associate, I earn a small amount from qualifying purchases. I appreciate your support. First Impressions and Setup When I first unboxed the Luma Electric Kitchen Composter , I was immediately impressed by its sleek design and compact size. Measuring 10"L x 14.5"W x 13.8"H, it fits perfectly on my kitchen counter without taking up too much space (...

As a 43-year-old introverted woman living with Polycystic Ovary Syndrome (PCOS) and Gastroesophageal Reflux Disease (GERD), I've learned many valuable lessons throughout my life journey. From navigating a childless marriage to managing a variety of pets , here are my top 20 "lessons learned" that have shaped my perspective and helped me find contentment. Embracing PCOS and Health Challenges 1. PCOS doesn't define you : While PCOS has significantly impacted my life, particularly in terms of fertility, I've learned that it doesn't define who I am as a person. It's a part of me, but not the whole story. 2. Self-advocacy is crucial : When dealing with health issues like PCOS and GERD, being your own advocate is essential. Many doctors may not fully understand or appreciate the complexities of these conditions, so it's important to educate yourself and speak up about your symptoms and concerns.

Imagine waking up one day to find your entire village has fallen into a deep slumber. That's exactly the predicament our little blue friends face in "The Smurfs - Dreams," a charming 3D platformer that brings the beloved characters to life in a whole new way. As I dove into this whimsical adventure on my Nintendo Switch, I found myself pleasantly surprised by the depth and creativity packed into this family-friendly title. Disclosure: I received this item free in exchange for my honest review. All opinions are 100% my own. A Smurftastic Premise The game's story is classic Smurfs fare, with a twist that sets up the perfect playground for imaginative level design. Gargamel, the Smurfs' perpetual nemesis, has concocted a devious plan to capture the entire village.  He's cursed the sarsaparilla bushes, causing all the Smurfs to fall into a deep sleep after eating their favorite treat. As the only Smurf still awake (along with Papa Smurf), it's up to you to en...