Financial Fitness

  • November 23, 2017

In February 2017 after a trip to Spain, I returned being the heaviest and most out of shape I had ever been in my life. At 184lbs and winded on a simple hike I decided I need to stop using a post-40 baby as an excuse and get my former aerobic instructor body back in shape.

8 months later, I’m down almost 20lbs, re-certifying my group fitness and active older adult instruction certificate and feeling better about myself at 43 than I ever did at 20.

What am I doing? Nothing spectacular. I’m being mindful of my life, intentionally being more active, listening to how my body feels AND most importantly watching what I eat because I love food, I mean I LOVE food. Using the My Fitness Pal app to record my intake and linking it to my fitbit to record activity, I have to earn any extra calories through exercise. This is the promise I made to myself.

There is no such thing as calorie debt. Not anymore

So seeing that this is financial literacy month I decided to apply those same mindful principals to my personal finances. Using a budgeting app (I chose Mint), I am recording every cent we spend and earn and allocating it to my budget plan in real time. The budget was made off of entering an entire month of spending. It’s amazing to see where the money goes and where it’s wasted.

It makes me think before spending and having an up to date app on my phone (which I am rarely without), I can check to see what is left in my budget with every cent.

My goal is to use this plan to improve my financial fitness and reduce debt the exact way I used the principles to improve my physical health. Retirement is 15 years away, the month after our youngest graduates high school. There is no time to waste!

What’s your plan for financial fitness?

~ Michelle Renee Budiwski

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