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Week 8 Journal 1: Self-Reflection, Spending, Saving, and Life Habits – One Paycheck? Two, Three . . . Ten? Week 8 Journal 1 Self-Reflection, Spending, Saving, and Life Habits – One Paycheck Two, Three . . . Ten Week 8 Journal 1: Self-Reflection, Spending, Saving, and Life Habits – One Paycheck? Two, Three . . . Ten? Value: 100 points Due: Day 7 Grading Category: Journals Read and Reflect Millions of Americans are one paycheck away from the street Most Americans live paycheck to paycheck One Paycheck Away No matter how much you earn, “getting by” is still a struggle for most people these days. Seventy-eight percent of full-time workers indicated that they live paycheck to paycheck, which is up from 75 percent for the previous year, according to a report from CareerBuilder (August 24, 2017). Most of us make New Year’s resolutions, and budgeting or staying on budget is frequently in the top three. According to Statistia.com, after reviewing more than 22,500 sources, the top three New Year’s resolutions for 2018 tied at 37 percent each – eat healthier, get more exercise, and save more money. At the same time, 32 percent of those polled did not intend to make a New Year’s Resolution. When thinking about the mindset of Americans, their New Year’s resolutions, and the state of our health, as Advanced Practice Nurses, we need to understand that we are dealing with more than the “health” or “disease” of our patients, but also cultural mores and financial constraints. The studies may recommend a certain course of treatment, but when most of us are “one paycheck away” from disaster, the study recommendations do not take into account who’s going to keep the lights on or food on the table. Reflect on the learning material for this week, other people you may know, and your own personal situation in relation to money. Consider how an individual’s financial well-being directly affects their overall health and their ability to receive preventative services and evidence-based care. You may journal in first-person and this assignment does not require references as it is your thoughts; however, be sure to review the rubric as a minimum of one reference is required to be considered exemplary work. If you choose to use quotes or citable material, you are expected to follow APA formatting. Please refer to the Grading Rubric for details on how this activity will be graded. Posting Your Journal Entry: Select Start or Edit My Journal Entry. Create your journal entry. Select Save Changes. Week 8 Journal In today’s economy, everything is controlled by money. One’s financial status dictates what they can afford and what they cannot. I have witnessed people choose one necessity over another because they cannot afford both. A few times, I have had to decide whether to pay my bills and have less money left for rent or the other way round. Lately, life has been tough on everyone because of the pandemic. People have lost jobs, exhausted their savings, and left on the edge of their seats wondering what will happen next. People fear being evicted and becoming homeless, the sick are afraid to go see their providers because he/she might order exams such as ultrasounds which cost a lot of money and the patients do not have that kind of money to begin with. My husband has been having hypertension for a while and we knew about it but because his health plan only covered emergencies, he hesitated to see a doctor, not until he ended up in intensive care unit (ICU) 2 weeks ago with his blood pressure in the 200s. Am glad he has been stabilized and he is now home but now I wonder how we are going to acquire regular coverage so that he is able to see his primary care physician (PCP) and how much that will cost. Making matters worse, he is on medical leave, and am worried how we will survive on only one paycheck. I can really relate to Fottrell’s (2018) Ms. Battle’s story. Unfortunately, it is reality for most of us regardless of how educated we are. One would think that being a nurse would mean living well, but sadly we too struggle with daily life issues. On top of paying the bills, we also must pay back the school loans applied during school. The Biden administration recently announced changes to student loan forgiveness programs that could help relieve stress for nurses (Camera,2021) but that is yet to be seen. Although if initiated, I believe it would be beneficial for a lot of nurses having to pay back the loans.   References Camera, L. (2021, October 6). Biden administration to make major changes to student loan … Retrieved October 23, 2021, from https://www.usnews.com/news/education-news/articles/2021-10-06/biden-administration-to-make-major-changes-to-student-loan-forgiveness-program. Fottrell, Q. (2018, January 20). Millions of Americans are one pay check away from the street. MarketWatch. Retrieved October 23, 2021, from https://www.marketwatch.com/story/most-americans-are-one-medical-emergency-away-from-financial-disaster-2017-01-12. Week 8 Journal 1 Self-Reflection, Spending, Saving, and Life Habits – One Paycheck Two, Three . . . Ten Click here to ORDER an A++ paper from our Verified MASTERS and DOCTORATE WRITERS:Week 8 Journal 1: Self-Reflection, Spending, Saving, and Life Habits – One Paycheck? Two, Three . . . Ten? Journal Rubric Note: Scholarly resources are defined as evidence-based practice, peer-reviewed journals; textbook (do not rely solely on your textbook as a reference); and National Standard Guidelines. Review assignment instructions, as this will provide any additional requirements that are not specifically listed on the rubric. Journal Rubric – 100 Points Criteria Exemplary Exceeds Expectations Advanced Meets Expectations Intermediate Needs Improvement Novice Inadequate Total Points Focus and Content In addition to self-reflection, the journal components are provided along with clear examples supported by course content and references that speak to how the journal content relates to the questions posed within the assignment. Cites one or more references. All instruction requirements noted. 45 points Components of the journal are topic focused and accurately and thoroughly presented via self-reflective explanations and application of knowledge to personal and/or professional life. All instruction requirements noted. 40 points Components of the journal are summarized with minimal self-reflection or application to personal or professional life. Synthesis of course content is present but missing depth and/or development. Missing some instruction requirements. 35 points Course content is present but there is no self-reflection noted within the journal. Demonstrates incomplete understanding of content and/or inadequate preparation. Missing several instruction requirements. Submits assignment late. 31 points 45 Application of Knowledge through Critical Thinking Critical analysis is supported with information from scholarly resource(s), offering new insight into the context of the assignment. Student indicates how the experience will have an impact on their professional practice. All instruction requirements noted. 45 points The journal submission presents findings and knowledge gained from the assignment. An obvious link between the assignment and nursing is noted. Submission provides clarification of the assignment by answering all posed questions. All instruction requirements noted. 40 points Journal content may be confusing, unclear, or incomplete–lacking clarification or new information. The student alluded to a practice application, but the information provided was not clear. Not all questions posed are addressed. Missing some instruction requirements. 35 points Submission is primarily a summation of the assignment without further synthesis or analysis of course content. Application of knowledge is limited, with no direct application to clinical practice discussed. Demonstrates incomplete understanding of content and/or inadequate preparation. More than one question posed is not addressed. Missing several instruction requirements. Submits assignment late. 31 points 45 Organization Well-organized content with a clear and complex purpose statement and argument content. Writing is concise with a logical flow of ideas. 5 points Organized content with an informative purpose statement, supportive content, and summary statement. Argument content is developed with minimal issues in content flow. 4 points Poor organization and flow of ideas distract from content. Narrative is difficult to follow and frequently causes reader to reread work. Purpose statement is noted. 3 points Illogical flow of ideas. Prose rambles. Purpose statement is unclear or missing. Demonstrates incomplete understanding of content and/or inadequate preparation. No purpose statement. Submits assignment late. 2 points 5 APA Referencing, Grammar, and Spelling Correct applicable APA formatting with no errors. The writer correctly identifies reading audience, as demonstrated by appropriate language (avoids jargon and simplifies complex concepts appropriately). There are no spelling, punctuation, or word-usage errors. 5 points The writer demonstrates correct usage of formal English language in sentence construction. There are minimal to no grammar, punctuation, or word-usage errors. 4 points The writer occasionally uses awkward sentence structure. Problems with word usage (evidence of incorrect use of thesaurus) and punctuation persist, often causing some difficulties with grammar. Multiple grammar, punctuation, or word usage errors. 3 points The writer struggles with limited vocabulary and has difficulty conveying meaning such that only the broadest, most general messages are presented. Grammar and punctuation are consistently incorrect. Spelling errors are numerous. Submits assignment late. 2 points 5 Total Points 100 Order Now