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How to Count Calories

When you’re trying to lose weight, the formula is simple — the number of calories you burn has to be greater than the number of calories you take in. Despite the promises of magic weight-loss pills and diets telling you to just avoid carbs and watch the pounds melt off, nutrition experts say plain old calorie counting is the best way to shed the pounds.

“Look at counting calories like spending money,” says Michael Nusbaum, medical director of the Obesity Treatment Centers of New Jersey. “You’re on a budget, so eat wisely.”

[See: U.S. News Best Weight-Loss Diets.]

So how do you know how many calories to budget? Start by figuring out your basal metabolic rate, or BMR, which is a measure of how many calories your body burns throughout the normal course of a day. From there, you’ll need to figure out how active you are and multiply your BMR by a set number, which is based on your amount of physical activity, to determine how many calories you can consume per day.

One pound of fat is 3,500 calories, so to lose one pound per week, you need to remove that many calories from your diet. Spread out over seven days, that means subtracting 500 from the number you got above and sticking to it. “You need to think of your food intake as the same way you think of filling up the gas tank in your car,” Nusbaum says. “You’re not going to overfill your gas tank, so why give yourself more calories than your body needs?”

You can track the number of calories you’ve had over the course of a day using a variety of apps and websites such as MyFitnessPal or CalorieKing, which usually have the calorie content of your favorite foods already built in.

[Read: How to Turn Your Phone Into the Ultimate Weight-Loss Tool.]

Although your BMR should be fairly accurate, it doesn’t take into account everyone’s individual metabolism, says Christine Palumbo, a registered dietitian and adjunct faculty member at Benedictine University in Illinois. “Everyone is different,” she says. “Some people have faster or slower metabolisms, so if you’re not noticing the weight loss after a few weeks or months, you might have to adjust it.”

One easy way to cut down on your daily calories is to cut out soda and sugar-laden coffee. “Drink calories count,” Palumbo says. “Your morning coffee adds calories, especially when you add in lots of sugar and milk, but we never think of it that way.”

[Read: Eat Your Calories, Don’t Drink Them.]

Replace all your drinks with water, Nusbaum says, and you’ll not only find it much easier to stay within your calorie budget, but that you’ll lose weight easier. “Your body needs water to burn fat,” he says. “You’ll notice that the weight loss comes easier when you drink a lot of water.”

And the old adage about drinking eight glasses every day? “That should be the minimum you drink,” he says. “More is always better.”

[Read: How to Drink More Water Each Day.]

In addition, cooking at home helps you know what goes into your food, which not only provides a more accurate picture of your dinner’s caloric content, but it’s healthier to boot. “When you go out to a restaurant, the food is designed to taste good, not be good for you,” Nusbaum says. “The problem is that you’re getting more fat and sodium than you need.”

Even though all calories are equal, Nusbaum says, what you eat still makes a big difference not only for your health, but for sticking to your calorie budget as well. “Fruits and vegetables are low in calories but keep you full,” he says. “Plus they’re good for you, so try and get as much of your calories as you can from those.”

You can still have carbs and ice cream and whatever else you want when you’re counting, as long as you stay within your allotment. However, you’ll quickly find that indulging frequently will leave you with many fewer calories throughout the rest of your day. “Go for things like lean protein over fatty foods,” Nusbaum says. “Fat has double the amount of calories as protein in the same serving size.”

Exercise is important as well — not only does it speed up your metabolism, but the calories you burn can actually be added onto the number you can eat that day. For example, if you’re sticking to a 1,500 calorie budget, a workout where you burn 300 calories would allow you to eat 1,800 calories that day and still stick to your daily allotment.

[Read: Diet vs. Exercise: A Healthy Habit Showdown.]

The key to sticking with calorie counting is being meticulous about logging everything you eat, which for some people can seem tedious, Palumbo says. “It’s just one more task to add to our busy schedule,” she says. “The people who seem to be very successful at calorie counting tend to have a little essence of OCD in them.”

It’s also important not to get discouraged. “You didn’t put on all this excess weight overnight, so you’re not going to lose it that fast either,” Palumbo says. “It’s going to take time and effort, but in the end, it’ll be worth all the hard work.”

[Diet Success Videos: How One Woman Lost 90 Pounds.]

More from U.S. News

Debunking 5 Common Weight-Loss Myths

How to Make a Healthy, Tasty Sandwich

Healthy Snacks for When You Feel Hangry

How to Count Calories originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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