Charles Benayon

Founder & CEO of Aspiria


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Student Budgeting Tips to Keep Your Mind off the Money

We’re well into the first month of school! Hopefully you have made a positive adjustment to the school year and your studies are going well thus far. At this time for some students, they may feel stressed about their personal finances. Even with the increasing number of government rebates and grants, post-secondary education isn’t cheap, and for some students, it is their first year of managing a budget on their own. As a student, it’s important you learn how to properly manage your student budget so that it lasts you all year long, and you can focus on what matters most – succeeding in your studies.

With that in mind, here are some simple budgeting tips I recommend so you can spend less time worrying about money and more time focusing on your academics and general well-being:

Download Finance Apps

Since most of us have our cellphones at our disposal whenever we need, you may want to consider using a finance app to track your daily purchases and spending.

Here are just a few of the dozens (if not hundreds) of mobile finance apps available and how they can help you build and stick to a budget:

  • MintMint allows you to bring all of your banking and credit card transactions into one password-protected space. You can easily set up budgets within the app and categorize your transactions, and Mint even sends you notifications when your bills are due or if you’re overspending.
  • WallyWally is particularly useful if you’re an international student, as it is one of few finance apps that allows users to document and create budgets with any form of currency.
  • You Need a Budget – If you don’t mind investing in a paid app, You Need a Budget links all of your accounts, helps you create personalized debt repayment plans, and hosts live financial planning workshops.

Use Budgeting Templates

A quick Google search will reveal hundreds of free budgeting templates to help you organize your income and expenses. If you’re unsure which to trust, consider using one offered by your financial institution; many banks, including TD Canada Trust, CIBC, RBC, and Scotiabank, offer online budget calculators. If you are new to Canada or if your bank doesn’t provide an online budgeting tool, the Government of Canada has also created a helpful student budget worksheet.

Buy Used Items

Many universities and colleges have bookstores on campus where students can sell textbooks they no longer need or buy used textbooks at a fraction of their original cost. I’ve also seen many Facebook groups where students gather to buy, sell, or trade textbooks, clothing, furniture, and electronics. If you can’t find a community social media group for your university or college, consider starting one yourself!

 

If you are in need of free and confidential financial advice, you can call your Student Assistance Program (SAP) 24/7 at 1-877-234-5327 (toll-free) to receive the personal financial counselling you need either by telephone or in-person. Stay well!

 

 

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How to Regain Your Passion for Education

book-841171_1920 (1)With the new school year just around the corner, you may fall into one of two categories: you’re either excited to return to campus to get back to your studies and/or see your friends, or you’re dreading having to get back to the books. If you fall into the latter category, this blog is for you. It’s important to remember that completing post-secondary education allows you to increase your potential earnings and, above all, pursue your dreams.

Here are some methods I suggest you try to motivate yourself to return to school:

Document Small Goals

Take a moment to write down your goals, both academic and professional. A three- or four-year degree can feel like an incredibly long time. Rather than be overwhelmed by the length of time required to complete your education, I advise you to take it one step at a time. What are your academic goals for this month, this week, or even just today? With every task you complete, no matter how small, you earn a sense of accomplishment that urges you to continue.

Once you’ve written down your goals, consider framing them and hanging them over your desk. This way, if you ever feel yourself lacking the motivation to continue your education, you can easily look up to remind yourself of your academic purpose.

 

Get Involved

You should look for opportunities to balance your schoolwork and social life. If you are a first-year student, get to know your campus and the clubs and sports it offers. If you don’t find a club that interests you, start your own! These are great ways to make new friends and feel like a part of the school community.

Whether you are a first-year student or not, consider building your resume with more than academics. Does your program offer internship or co-op opportunities? You could also look for an internship or part-time job in your field on your own or give back to your community by volunteering with an association that matters to you. The important thing is that you have an outlet to help with the stress associated with a heavy semester and exams.

 

Be Realistic

Has it crossed your mind that perhaps the program you’re in isn’t for you? If so, my advice would be to treat this new school year as a clean slate. You still have the option to switch your major or specialization or enrol in a smaller course load. It’s better to delay graduation by a semester or two pursuing a different or part-time academic path than it is to spend years completing a degree that no longer interests you.

If you need a little extra help rekindling your passion for your program, I encourage you to contact your Student Assistance Provider. They can help you find a balance between your personal and academic life, sort out potential financial concerns, discuss anxieties, and much more.


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Surviving the Opioid Crisis

medications-cure-tablets-pharmacy-51004It wasn’t too long ago that I spoke of the rising risk fentanyl posed to society. Fast-forward nearly two years later, and the opioid crisis we’re facing seems to only be getting worse, not better.

In 2015, one in nine deaths of Ontario youth aged 15 to 24 years were related to opioids. Since then, several hundred more have been reported. It is for these reasons that I encourage you to learn about the effects of opioids and the resources available to you and loved ones experiencing an opioid dependency.

What Are Opioids?
Opioids are medications that are most often prescribed by physicians to treat pain. Examples include morphine, oxycodone, and heroin. Like most pain relievers, opioids cause strong feelings of relaxation. This feeling can become highly addictive, and if opioids are taken in excess, users feel “high” and are at risk of overdosing.

What is the Opioid Crisis?

The primary opioid responsible for the crisis is fentanyl. Fentanyl is up to 100 times stronger, and therefore more addictive and dangerous, than morphine. Due to its addictive nature, it is often added without users’ knowledge to various street drugs. Such drugs are already highly addictive and dangerous, and unprescribed consumption of fentanyl drastically increases users’ chances of overdosing. Between January and September 2017, at least 2,923 deaths related to opioid overdoses occurred in Canada, 66% of which involved fentanyl.

What Are the Symptoms of Opioid Use?

Different opioids can produce different symptoms, but the general symptoms of opioids include the following:

  • Drowsiness
  • Nausea
  • Difficulty breathing
  • Dizziness
  • Liver damage
  • Infertility

The largest concern around opioid use is the high risk of overdose. For signs and symptoms of an overdose, visit our International Overdose Awareness Day blog.

What Resources Are Available to Combat the Crisis?

There are many safety precautions you and your loved ones can take to prevent overdosing on opioids, including the following:

  • Stay Informed: The Government of Canada has created a life-saving Opioids Toolkit to help you stay in the know.
  • Use Supervised Consumption Sites: Ideally, there wouldn’t be any illegal use of drugs, but supervised consumption sites provide safe spaces to use illegal drugs without fear of prosecution.
  • Acquire a Naloxone Kit: If you or someone you know is overdosing on opioids, administer naloxone to temporarily stop the overdose, and then call 911. Some provinces provide naloxone kits for free.

If you witness someone overdose or if you believe you are experiencing an overdose, call 911 immediately. Even if you are unsure if what are witnessing or experiencing is an overdose, the safest option is to call 911.

If you or someone you know is using opioids ­– or any other recreational drug – and you fear for your and someone else’s safety, contact your health care provider, Aspiria’s Student Assistance Program services, or your school’s counselling services.


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Home for the Summer: A Guide to Living with Your Family, Again

271-ted72544532-ae-id-384598-jpegCongratulations, you survived exam season and a full year of school!

By now, you may have moved back in with your family for the summer. For some, this may be exciting, but for others, you may cringe at the thought of having to spend the entire summer living at home. It can be highly stressful sacrificing some aspects of your independence, especially if you’ve been calling the shots while away at school.

Regardless of your enthusiasm level for your familial situation, here are my tips on how to make the most out of living with your family again:

Maintain Your Social Circle

If your departure to school meant your parents became empty nesters while you were away, they may want to spend copious amounts of time with you while they can. However, your intentions may involve spending as much time as possible with new and old friends. With communication and empathy from both sides, everyone can understand each other’s social needs. To avoid feelings of isolation during the summer, try to stay in contact with whom you can, and remember to join in on family dinners and outings once in a while so as not to make your family feel isolated from you.

Avoid Going Stir Crazy

If you really need a break from your family and some time in the sun, take a road trip to meet your friends. Spending time outdoors, like at the beach or in a campground, is a great way to reduce stress. Prolonged time in cities can fatigue the brain, and time in nature allows it to rest. Having fun or relaxing outside throughout the summer can give your mind a much-needed break before returning to the grind of studies.

Help Around the House

A giant bonus of living with family is home-cooked meals, but you may want to consider cooking for your family once in a while. Cooking can be quite effective at combatting negative emotions, and testing out healthy recipes can be especially beneficial for your mental and physical health.

If you really want to get in your parents’ good books, sweep, vacuum, or dust when you have a moment. Cleaning not only benefits the household, but it can also directly affect your own mental and physical health. Simply making your bed every morning makes you 19 per cent more likely to get a good night’s sleep.

Even when everyone may mean well, hurtful things can be thought of, said to, or done between family members. If you are having difficulty adjusting to being home for the summer, please seek counselling and stay strong knowing that this living situation is only temporary.


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Exam Season: 3 Tips to Lower Your Body’s Stress Level

k-67-dsc045553442545-fon_1-id-68958-jpegAs I’m sure you’re all aware, exam season has commenced. I know from experience that in times of high stress and when exam dates loom, it’s tempting to forgo sleep and easy to forget to eat or hydrate. These are very unhealthy means of studying, and they only add to your stress.

To avoid high stress levels or illness this exam season, I would like to provide you with three tips to take care of your body and reduce your stress level when preparing for exams:

  1. Eat and Drink
    It’s one thing to eat and drink healthily on a regular basis, but during exam season, some students remain so focused on their studies that they forget to eat or drink something at all! Understandably, your focus is your studies, but I implore you to stay hydrated and fed.

    During periods of high stress, I sometimes set hourly alarms on my phone to remind myself to drink water. This may seem silly, but it’s easy to get lost in your head, especially while studying, and ignore what your body needs.

    As for what you eat, it may seem like you don’t have time to cook. You probably don’t want to spend hundreds of dollars on take out over the next couple weeks, but you need to eat something. Before exam season is in full swing, pick up a few key items at the grocery store for simple meals, like cereal, salad, and sandwiches. Be sure you are incorporating some nutritious foods such as vegetables and protein. And always keep snacks in your bag, like apples or granola bars, in case you accidently skip a meal.

  2. Exercise
    I’m sure you’ve heard that exercise releases delightful hormones called endorphins, which trigger positive feelings to reduce stress and pain. Luckily, a simple 10-minute walk could be enough to produce several hours of stress relief.

    If you’re an extrovert and hours of secluded studying is worsening your stress, attend a group exercise lesson at your campus or preferred gym. Not only will you be getting exercise, but you’ll also benefit from the additional aspect of socialization, giving you a much-needed break between study sessions.

  3. Rest
    This might be the most difficult tip to follow, since it’s sort of a catch-22. Six to eight hours for a good night’s rest is a lot of time, but the longer you go without sleep in order to study the less you are likely to retain the information. Research shows that recalling information from one day to the next is easier after a night of sleep. However difficult it may be to rationalize, it is important to find a balance between study time and sleep time. You don’t want all of your efforts to be wasted by falling asleep during an exam.

It’s important to remember that you’re not alone in this; all of your fellow students are going through the exact same crazy time. Reach out to your friends and help each other stay sane and healthy during this and future exam seasons. If you require more structured support, reach out to a school counsellor or your Student Assistance Program to assist you with a study plan or exam accommodations. Good luck!


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“I’ve Graduated – Now What?” Tips on Dealing with the Graduation Blues

Screen Shot 2018-02-20 at 12.38.54 PMStressful exams, excessive coffee, possible home sickness and hefty loans – post-secondary education has been quite the ride for the last few years, but hopefully has, in theory, provided you with the exciting opportunities everyone says awaits you. Many students across the globe expect to obtain a respectable, decent-paying job in their field right after graduation, but is this expectation realistic nowadays?

Undoubtedly, many soon-to-be grads are concerned about what life looks like after graduation. Remember all that support when you left high school to transition to university or college? Those transition supports aren’t so readily available and obvious now that we’re getting ready to graduate from post-secondary school. These are stressful times, with many questioning where you will live (moving back in with parents? ) and how soon can you find a career-focused job (that you like!) to pay off your student loans…and this stress can take a toll on your mental health and the ability to cope.

I’ve been working with students for several years now and have outlined below some tips to help you avoid getting the graduation blues and better enjoy the next phase in your journey:

Talk It Out – Ask your school counselling centre for some referrals to affordable supports in your community. We all need some help as we head into this new world of wonders, and there are a variety of talk therapy and behavioural counselling options out there – change is hard, but asking for help doesn’t need to be. Good friends and family members, particularly ones who have “been there”, can be great supports as well. Discussing options for your future gets things out of your head and become actionable through steps towards your goals.

Freedom is Real – Make a plan for doing something you enjoy, and allow yourself to get excited about it. After all the pressure you’ve been under, give yourself time to adjust, whether it be a trip, shopping, or visiting your friends, get busy doing nothing. Allow yourself some time to just be free and relax, and don’t just sit around dwelling on what is not getting done right away.

Do the Right Thing – So what’s the next step? Sure, it’s easy to just enroll in the Master’s program to put off leaving your safe hub, or taking an internship that pays less than nothing to get some “practical” experience. Stop putting off the inevitable, and just be true to yourself about what job you accept or whether the extra education is worth the extra debt. This is the time to check out what’s out there and not grab the easiest thing. Fear of drifting around is scary, but grabbing the first available option can exacerbate your mental health issues if it’s not the right one, so stick to your guns.

This Is Where You’re At – Accepting that university or college is coming to an end, and you don’t know what comes next, not really, is ok. Typically we spend about 16 straight years in schooling being told to some degree what we can and cannot do, so it’s no wonder we come out not knowing exactly what we are supposed to do. Accept that this is where you are. The power of now. This is a normal stage that most of us go through so allow yourself to readjust and focus on what you need to do for your next journey in the big open world.

With graduation coming up – how are you feeling? Do you have a support system in place for post-graduation? I look forward to hearing from you!


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Succeeding through the next few weeks at school

k-159-chim-5169As the school semester comes to an end, final exam preparations will soon begin for many students. This usually involves long days at the library, and perhaps, some coffee to keep you alert. The time and focus that academic success entails, combined with the intense pressure students feel in order to succeed, can lead to stress and exhaustion.

If you’re a student of an Ontario college, you may be experiencing stress caused by a different circumstance: the faculty strike you’ve just experienced. No matter what type of post-secondary educational institution you study at, this time of year can no doubt have an impact on your mental health. For this reason, I have outlined some tips to assist you prepare for the next few weeks before winter break.

For all students, whether you are preparing for final exams, or you have been affected by the Ontario college strike, keep the following tips in mind:

  • Prioritize your diet and sleep schedule. It’s always important to remember that eating healthy meals and getting plenty of sleep are proven to improve one’s mental health. During your studying, proper diet and sleep will ensure that you are alert and attentive, and this will improve the quality of your studying, mood, and hopefully your grades!
  • Go out less, but still see your friends. While it’s best to decrease the amount of social events you go to, it’s still important to spend time with friends and family. Making time for others will serve as a distraction, and a good change of pace. Even if it’s just eating a meal or walking home together, your friends will balance out the stress of exams, and really help you improve your mood.
  • Be aware of resources and help on campus. At almost every campus, there are counsellors, wellness centres, and hotlines to call. If you feel low or vulnerable, it’s important to be heard, and these resources are specifically meant for students. Lastly, remember that your grades don’t define your worth, but your mental health should always be valued.

Ultimately, the exam period before winter break will be manageable and less stressful if you stick with good habits, and reach out to friends and support when needed. You’ll find that help is always available, and if combined with hard work, you’re sure to do well on your exams. Good luck!