With student loan payments just about to resume after a long hiatus, it's cramping

your ability to save and spend like you've been able to over the past few years.

To how to money guys, that's us.

We don't have legal authority to cancel your debt or anything, but you can and should

check out our show for advice on all things personal finance.

And just so you know how to money is not your dad's money show either, right?

We give you the information you need to make smarter money choices, so if you want to know

how to spend, save and invest with confidence, even with that student loan payment back in

your life, listen to how to money on the iHeart Radio app, Apple podcasts, or wherever you get your

podcasts. Welcome to Before Breakfast, a production of iHeart Radio.

Good morning. This is Laura. Welcome to the Before Breakfast podcast.

Today's tip is that if you'll be working particularly late some night,

take a longer break in the middle of the day.

That way you will be sharp and at your best for your late commitment.

And you won't necessarily have to give up your personal priorities either.

We have all likely put in some long days this year, and we've all likely noticed

that being at a computer from 8 a.m. to 8 p.m. is seldom a recipe for doing your best work.

Even something different like a work dinner can feel tedious if you have been on since the morning.

So here's an idea. If you have a late meeting or you are gathering with a team for an evening push

to a deadline, or you have an event, take a chunk of time off midday. Do something totally different

from work. Use whatever flexibility you have to rethink the day. Just because it is 2 p.m.

doesn't mean you have to be doing something work related, particularly if you will be doing

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