USC Credit Union Blog

USC Credit Union Blog

Final FALL into Fitness: The Best Way to EAT Up Your Credit Card Debt

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What in the world happened to October?

Yesterday, one of my friends said to me “it feels like October began 15 minutes ago.” I totally agree; wasn’t it just yesterday that October began? I completely let the last four weeks slip away from me!

Before I let Fall slip away as well, it is time for the fourth and final FALL into Fitness post!

I wanted my very last fitness tip to be about one of my favorite things to do--eat! I really like eating. I like eating while doing my homework, eating while working, eating while watching TV, eating before I go to sleep...but most of all, I LOVE eating after a long workout. There are very few things more satisfying to me than going on a long run, and then chowing down on yummy food. Which leads to my final fitness tip this year:


Fitness Tip 5: Eating Within 15 Minutes of Finishing a Workout

There are certain low-calorie post-workout snacks that are great for repairing and rebuilding muscles, while also re-charging your body after expended energy. In order to avoid over-eating and cancelling out the healthy effects of the rigorous exercise you just completed, you should aim for foods that are under 150 calories, have 10-20 grams of protein and 30-40 grams of carbohydrates. Here are 5 examples of yummy post-workout snacks:

  1. Half an apple with 2oz. of vanilla greek yogurt, half a tablespoon of peanut butter and a sprinkle of cinnamon.
  2. Low-fat cottage cheese with ¾ cup of fresh blueberries
  3. 20 baby carrots with 2 tablespoons of hummus
  4. 1 banana and 8 almonds
  5. 1 organic mozzarella cheese stick and 20 grapes

Financial Fitness Tip 5: When Attacking Credit Card Debt, First Stop the Interest Charges 

This is a tip I learned from an article on LendingTree. They compare someone with a credit card balance as to someone who enters an emergency room bleeding. The first thing a doctor will do is stop the bleeding. Similarly, the first thing you do to credit card debt is stop paying the interest charges. Why is this important? It's pretty simple: if you're carrying a $10,000 balance, $150 of a $200 monthly payment is getting vaccummed up by interest charges which means that only $50 o that payment is actually reducing your balance. This is horrifying to me. 


So do yourself a favor, and when paying off your credit card balance, first transfer your balance to a card offering a long 0% intro APR balance transfer promotional offer. Then during the 0% period, begin powering through your balance. USC Credit Union offers a fantastic credit card with 0% APR for first 15 billing cycles. PLUS, USC Credit Union is currently competing with Notre Dame Credit Federal Union in the annual Credit Card Charity Challenge. If you apply for the Platinum Rewards MasterCard, you can begin making a huge dent in your credit card debt, while also helping USC Credit Union beat the fighting Irish for the fourth year in a row! 

Becoming a USC Credit Union member does not need to stop with the Platinum Rewards MasterCard! There are other benefits to help you "fall" into place in your financial journey.

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