Financial Wellness: An Interesting Side Effect We Discovered

My husband and I recently decided to work on our financial wellness. You may be thinking that finances have nothing to do with your overall wellness, but I strongly disagree. Our finances have a profound affect on us. They allow us to pay for important healthcare; such as acupuncture, massage, or even a visit to the doctor.  Having adequate resources allows us to buy healthy and nutritious food. Money even supports some self care activities such as going on a retreat, vacations, or yoga classes. Even without all the things that having some coin in our pockets can do for us, there is the stress that not having enough cash causes. When the bills seem to out number your income or creditors all calling, the stress level can get out of control fast. High stress levels are not good for us. They can cause anxiety, depression, high blood pressure and other illnesses including unhealthy weight problems. Gaining control of your funds is an important step to your overall wellness.

As my husband and I set out on our journey to financial wellness, we first had to get on the same page. We are grateful for the book, Total Money Makeover; by Dave Ramsey. Dave doesn’t believe in manifestation or the Law of Attraction. Interestingly, I feel it was my focus on manifesting financial abundance, that caused the Universe to bring Dave and his books to my attention. I am happy to agree to disagree with Dave on this point. Total Money Makeover inspired Marty and I to get serious about our finances and we started working on the steps Dave laid out in his book.

All of this was a new to me. I have done spreadsheets for bills and payments due but never made a plan for how to spend the rest of the money. It just never seemed like there was enough of it to worry about. However, not worrying about how to spend the rest caused overspending. This just made matters worse and financial stress higher. We downloaded the app, that has been developed to support Dave’s principles. It is called Every Dollar. Dave wants you to give every dollar coming into your household a home so you know where every dollar is spent. When we initially logged our October spending, we were shocked to see some of the ways that money was escaping from our pockets. There were a lot of little things we were spending money on that, quite frankly, were a waste. Money was dribbling away from us in little insidious ways. It was not big purchases that were doing damage to our bottom line. It was the few dollar here and a couple of bucks there.

Next, we developed a November budget and set forth to follow it as close as possible. It was the first time either of us had ever really budgeted that tightly. There were things that came up that we had to adjust another spot in the budget to expense them from. Everything needed to add up to zero at the end. There were a couple places where we placed too much money and a couple others where we did not plan enough.  In the end, we made it through our first month of budgeting. When we talked about how we felt during this first month of budgeting, we both agreed that we felt more in control of our finances and less stressed. The interesting side effect was, when we got to the end of the month and the next payday, we had some money leftover. It seems crazy but true. Somehow being on a budget, giving everything a home and watching where things were going; not only gave us the feeling of having more money but actually more money.

I am very grateful that my husband is the type of man who is willing to walk this process with me. It is truly a team effort. If you decide to start on a road of finance wellness, I wish you every success. That are many money gurus out there. Maybe Dave is right for you or maybe it is someone else whose process just seems to make sense and be the right tool you need to feel financial well.

Thank you for reading my blog today. I love you! I wish you a lifetime of finding the right financial tools for your personnel wellness, as if by magic. Just as mine came to me.

*Photo taken in Rome, Italy

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Taking Care of Me; Step By Step

I keep plodding along trying to get to a better version of me. What can I do to improve myself a little more each day? I recently wrote a blog inspired by a friend called; How Do You Eat an Elephant or (in this case) a Dinosaur? It was all about doing things step by step to improve yourself.

Well, I put that into practice and started working towards the best me I can be, step by step.

  • I have been a Pescatarian since April 2012 – This was the first major health improvement I made. (What is healthy for me may not be healthy for you.)
  • 5 plus years of avoiding processed sugar – It does not make me feel good when I eat processed sugar because of my gastric bypass. Even more than that though, I have realized it causes me joint pain as well.
  • 4 months of intermittent fasting – I have been doing intermittent fasting since the beginning of July. There have been some weeks when I have not been focused on this or even stayed the course, but I am back solidly in the seat of intermittent fasting now and learning so much more about my eating and emotions and how they are connected. I have lost 14 pounds in that time.
  • 2.5 months of decreasing complaining Wellness is about mind, body, and soul improvements. Working towards 21 days complaint free is a way to improve my mind and soul. I did make it to day #2 once and I believe that if today keeps going well, I will make day #2 for a second time.
  • 27 days without Alcohol – Originally I only wanted to go 28 days without alcohol. I can almost taste the success of accomplishing that. Do you know what it has taught me? I do not need it and look at all the money I am saving by not having my nightly glass or two of wine.
  • 2 weeks of increased activity – 10,000 steps a day is my goal. I have made it 8 of the last 14 days. My September step average was about 5,500 steps but the last 2 weeks the average has been over 9,000.
  • 11 days without diet soda – Oddly, this has been much harder for me to give up than wine. I am making it though. Sparkling water gives me the same bubbly sensation and tea helps make up for the caffeine.
  • 7 days since refocusing on awareness of finances – Financial health is also an important part of wellness. How can we have peace of mind if our finances are giving us stress. I read Dave Ramseys book, The Total Money Makeover. I found myself inspired to refocus on getting to a place of financial freedom. I do not want money worries to rule my life.
  • 4 days of daily meditation – I was making great headway on resuming a daily meditation practice. I did four consecutive days and then a missed the next 3 days. Today I started again!

These are 9 great initiatives I took towards being the best me, I can be. If I had added them all to my routine at one time it would have been to overwhelming. Step by step additions of each of the various initiatives seems reasonable and it gives me time to get one under control before the next one is added.

What are you doing to take care of you? How are you improving your wellness? What would you like to do to be the best version of you?

Thank you for reading my blog today. I love you. May your wellness initiative(s) be successful, as if by magic.

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