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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Keeping Up With Healthy Initiatives When the Seasons Change

Healthy initiatives can seem energizing when you first start them. They give you hope of a better tomorrow and the good feeling in your heart of really doing something important for yourself. When Mother Nature sees fit to make changes in the seasons, it can throw a curve in your plans. Also seasonal holidays can seem like an excuse to no longer stay the course. Having a plan to combat these changes is the best way to not let them derail your progress.

If you follow my blog you probably know I have a number of healthy initiative all going at once. Taking Care of Me; Step By Step, is the blog that lays them all out if you are interested. My husband and I have been doing an excellent job getting our 10,000 steps in a day. We’re getting up and walking before work, then after work and again before bed, if we still need some more steps. This week we got snow here in MN. I wasn’t expecting it and upon waking discovered 3 inches of the pristine white stuff covering everything. I found it hard to want to get out an walk. I did eventually bundle up and head to the grocery store. I could have driven and it would have been quicker and warmer, but why not take care of 2 things at once. It was a nice sunny day. The bright sun reflected off the snow and I reflected on how to keep up with all that we are working on, despite time marching on.

I am a wonderful “justifier” and snow seems like a great reason to justify skipping a walk. Having a plan in place helps keep you on task. Just like with the intermittent fasting that we are working on. There is always a justified reason to not stay the course; family in town, a special gathering, or an appointment that throws a kink in things. Recently, when my brother visited, we met him early each morning for breakfast. I always look forward to this annual visit and our early morning breakfast and conversation. As his visit neared, I started to fret about what to do about the intermittent fasting and the fact the fact that I wait until 10am before I break my fast. In the end I had a conversation with my brother, who was gracious and understanding. I still met him for breakfast and I enjoyed a nice cup of hot tea, while we had our usual time together and great conversation. Having a plan helped me stay the course. I have so far lost 15.4 pounds by sticking to the intermittent fasting.

Finances is another healthy initiative we are working on. The holiday season is fast approaching. This is the time of year when people often try to spend money to show someone how much they love them. Buying someone a gift, that they may not need or want, will not necessarily communicate your love and appreciation of them. I encourage you to come up with a plan on how to handle this time of year. Start a savings account that you add to throughout the year. Set a budget for gifts and holiday groceries and stick to it. Find innovated ways to show your love and appreciation for those you care so dearly about. Start a conversation with your friends and family about other ways to celebrate your love and appreciation like agreeing to volunteer together as a family. Make an understanding about gifts and a cost limit. Give homemade gifts infused with good intentions and lots of love. There are so many options.

As soon as you decide to focus on a healthy initiative, something will come up to throw you off course. Try to think about what these things may be. Make a plan for them. Remember that healthy initiates are not things we do just for today or tomorrow. These are things we incorporate into our life an become our new standard of living. To ensure success at improving our life, we need to think about how to remain faithful to ourselves. We need to make ourselves a priority by having a plan to keep our momentum moving forward.

Thank you for reading my blog today. I love you! May all your plans come easily, so that you stay the course, and reach the goals you set for yourself, as if by magic.

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