12 Months to Financial Health (6)
Well I would say I am officially in the season of giving. This is my favorite time of year. Today was my first day of Christmas shopping. I went to this place called "Beyond the Blackboard" for my son and I have three grandchildren. This place is amazing. They make learning fun. I am so tired of buying toys without a purpose. This place this place thinks outside the box in that area. I always want to make sure that I always get the right gift without breaking the budet. These are games and things these kids can use for a very long time.
Same with the adults in my life. I have already blessed a bunch of people I know with the gift of exercise in many different ways. It is always a great gift to give people. I mean what better gift to give than say a membership at the gym for someone that you love. It is a great way to say please take care of yourself. One better is to go with them or give them a phone call to encouratge them in that area. I know I always am looking to do that kind of thing. People just light up when you do. They just want someone to know that you care.
I must confess lately i have been going by and buying getting a coffee. I really seem to be enjoying that. I think I was using it for comfort food. At five dollars a pop it can really add up. Five days a week at five dollars a pop ends up being $100.00 per month. Not a good move. I need to back off of that. Let alone the calorie intake. I know I get the non fat and all of that but it still adds up. I need to have my coffee in the morning if i choose. Two cups max and then that is it. No more. The other thing is I sometimes have a soda or iced tea out if I eat lunch. Just cutting out that you drop some calories as well as a few dollars per meal.
No workout today. Bummer. Tomorrow I have to get up early. I have Jury Duty. I need to get my workout in before hand because I have no idea what the rest of the day is going to look like. I am going to take a book and hope for the best. I also need to take some healthy snacks to tide me over. Plus I have no idea what they have there. It cannot be that good or that healthy. And I don't want to be eating on the run. When I don't know, I need to prepare it. I love that saying, Failure to prepaire is preparing to fail. I am not up for that.
Money and stress. Stress can make us sick. Stress can steel our happiness if we let it. Stress and financial problems can hurt a marriage in a negative way. I am getting to the bottom of anything in my life this year that is not in order and that might cause me stress in my life.
One area I am really wanting to change are my finances. Even with everything that is going on in the world, I still believe there are a lot of improvements I can make to my finances. Spending that really isn't necessary is one of them. I am going to spend the month of September on a spending fast. I am going to write down all of my spending, but I will not buy something unless I absolutely need it. I will not replace something in my home that I use regularly or eat regularly until I know that I am completely out. I will not eat out unless it is a planned special night out. I will pack my lunch. At the end of the month it will be interesting to see how much extra money I might have in my bank account.
I have been working on paying off some debt and not using my credit cards for anything other than emergency's. Well today I received a bill and in the past I might of just paid it because I am in such a hurry to do things. Instead today I called on it. It was an 89.95 charge to my card for a magazine subscription that I never signed up for. So I caught it and they removed it. This year is all about slowing down and taking the time to get things in order.
The second thing I want to do regarding my finances is get online to the coupon websites and start looking for deals. I am told that Wednesday's are the best days for grocery shopping. The prices are the best. I am going to try that. Also, I will buy only what is on my shopping list. Again trying to simplifying my life so I can have peace in my life. This again is an important lesson to show my son.
I have been looking at my budget a lot closer. I am really trying to so to speak "Trim the fat" on our spending. Before I buy something say regarding food items or anything else for that matter I really stop and ask myself if I really need it. I really am trying to save money for my family's security and future.
I have budgeted a certain amount for food/supplements and eating out per pay period. Now i am starting to get into couponing. I have not had a lot of time to spend with this but i am at least grabbing the coupon paper when i go into the store and look for the items that are discounted. There is this finance book that I want to really start reading. I like Gene Chatsky on the Today show. She makes a lot of sense and seems to be very sound. She has a nice blog page. Great recourse.
I keep saying how our health is all linked together with all of the subtopics. Our health is our health. Whether it is financial, physical, mental, etc. If any of these areaas are out of shape it puts stress in our lives and can throw everything out of wack. I am just looking at all of my weaknesses this year and make them a strength. It is a lot of work but I know it is going to pay off. This is my one and only life. I want my life to mean something. I want to say at the end of my life, Good job Tracy.
Today was trash day for me. We have our guys that come by and pick up the trash, and then a second team that comes by to pick up the recycling. Every Monday I clean out my refrigerator of all the things that have gone bad to start fresh, and the rest goes in the trash. When I first started doing that on a schedule I couldn't believe how much I would waste and throw away. All of the food and money literally was going down the drain. Every week has gotten better and better.
Today I was reminded of a program that I saw on Oprah last year about only using and buying what you need. That is why it is so important to plan your meals. It not only effects your health, but your finances, as well as the environment. It is our responsibility to protect the environment, our health and our money. No one else is going to do it. It starts with us. I want my son to learn this from me. I know I keep going back to this, but it is all connected. If you need motivation to get healthy, here is another one. Take care everyone.
I am looking at my Bank Reconciliations today to make a tally to see how much money I will save in a month by not buying unnecessary food items or meals out that aren't healthy for me. Isn't it interesting when we get our eating habits in line, many other things in our life are impacted. Let alone the issue of medical problems and expenses are avoided down the road. Here is an example for you. Just one of my surgeries cost me out of pocket over $15000.00 and we have insurance. Unfortunately my medical issue was unavoidable, but I tell you if you take care of yourself it will also help your financial future.
Do an exercise with me. Look at your bank statement and see what items you could do without. Look at the items that aren't a part of a healthy diet. Tally the total savings you would save in a month, a year, and a decade. Talk about motivation to eat right.
I always hear how it is so much more expensive to eat healthy. Honestly there will be consequences sooner or later with your health and your finances if you do not take care of yourself. Also, if you cut out the unnecessary items it will save your money. Doing this will make it affordable Let alone the stress that low finances can cause on your health. It is funny how all of these things seem to be connected together.