Beat My Loan – Estimated Savings Disclosure | NerdWallet

Updated: Jan. 18, 2019

Your estimated savings amount (the amount of interest you’ll save over the life of a loan) is the difference between your student loan interest rate and interest rates from our loan partners. We estimate your interest rate by looking at your total monthly student loan balance and monthly payments as identified on your Trans Union credit report.

Your interest rate and total savings may vary. Your eligibility for any specific loan rates and terms depends on verification of information, your credit history, and other factors as determined by lenders. NerdWallet does not guarantee that you will be able to obtain the Estimated Savings or that any lender will extend you credit. Interest rates are subject to change daily without notice.

NerdWallet does not take student loan applications, originate, service, or make credit decisions in connection with loans, nor does it issue commitments or lock-in agreements. See your lender’s Terms for more information.

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My Favorite Decaf Teas to Drink

As most of you know, I stopped drinking coffee a few years ago… and it’s been the best thing ever! My anxiety is so much better, I sleep so much better, and I’m just all around healthier.

Instead of drinking coffee, I have fallen in love with decaf teas. Many of you have asked for me to share what my favorite teas to drink are, so I thought I’d list them here, for anyone who is interested.

In my Decaf Chai Latte post, I shared a few teas I like and I wanted to share a few more:

1. Tiesta Tea Relaxer: Cocoa Mint Chill (this is a loose tea)

2. Stash Decaf Vanilla Nut Cream

3. Stash Chai Spice Decaf

4. Rooibos Tea (I bought the one shown when we were in South Africa.)

5. Roastaroma (this is a really bold tea and a great coffee replacement)

6. Decaf India Spice Chai

7. Fireside Vanilla Spice

8. Mint Magic

9. Honey Vanilla Chamomile

A few tips to loving tea more — especially if you’re trying to drink instead of coffee:

  • Make the tea stronger. (I often use two bags instead of one.)
  • Use honey or maple syrup to sweeten it. (If you’re used to having a sweetener in your coffee or just to make it really delicious!)
  • Use half and half. (I loved half and half in coffee and have discovered that it makes tea that much better. Don’t have half and half? At least use a splash of milk!)
  • Drink it in a cute mug. (This just makes it so much more enjoyable!)

Want more details on this journey? You can watch my video on Why I Stopped Drinking Coffee and read about How I Drink a Gallon of Water Every Day.

What are YOUR favorite decaf teas? Any recommendations for me? I’d love to hear!

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This Site Will Give You Motivation to Hit Your Health Goals

What are your hopes and dreams this year?

Diet or eat healthier? Exercise more? Lose weight?

Wow, it’s almost like I’m reading your mind.

That’s because those were the top three goals for 2019, according to a survey of 2,000 people published by Inc. It found that 71% of us want to diet or eat healthier; 65% of us want to exercise more and 54% of us want to lose weight.

Unfortunately, Inc. also reports that only about 8% of us will stick to our resolutions… Fortunately? There are tools out there to help you reach success — like wellness company HealthyWage.

HealthyWage will pay you up to $10,000 when you hit your health and weight-loss goals.

Here’s how it works:

  1. Read our full HealthyWage review, and sign up.
  2. Define a goal weight and the amount of time you’ll give yourself to achieve it.
  3. Place a bet on yourself ranging from $20 to $500 a month.

It sounds too good to be true, right? We’ve chatted with a number people who shared their success stories, including these four women who won a collective $10,495.28 from HealthyWage.

Hey, you just might finally be able to achieve your resolutions this year!

Carson Kohler ([email protected]) is a staff writer at The Penny Hoarder. She always need motivation to get off the couch.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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