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5 Reasons Why A Healthy Lifestyle Will Save You Money

5 Reasons Why A Healthy Lifestyle Will Save You Money

Let’s try a little experiment. Think of the term ‘health’ for a moment and put down on paper what the first three things you associate with it are. If the first things that come to mind are gym memberships, organic produce, and an array of vitamins, you’d be forgiven for thinking a healthy lifestyle is reserved for the well-off. Although it has long been proven that organic foods do not necessarily have to cost more than conventional ones, searching for the right places to buy them alone can cost you a lot of valuable time and energy. And yet, the old clichés about health being nothing but a luxury item no longer hold true – you may be surprised to learn that living a healthy lifestyle can actually save you money.

1. Eliminate your expensive vices

The obvious culprit when it comes to expensive vices is smoking. Let’s have a look at how quitting can concretely benefit your wallet: If you kick your 10-a-day smoking habit you could see yourself £1,400 better off within a mere year. Best of all, your family and friends will thank you for taking their well-being into consideration as well.

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But don’t stop there. Fizzy drinks like Coca-Cola or Sprite are not only disastrous for your waistline, but could also be setting you back over £146 a year if you’ve made it a daily habit. Add in the possibility of developing diabetes, which has been linked to fizzy drink consumption, and you could be saving yourself from a future of costly treatments. Needless to say, your quality of life will significantly surge, too.

2. Cut down on transport costs

Car maintenance, petrol, parking, and public transport fees are all daily expenses that can be drastically cut with a changes in your lifestyle. Switching your twice-daily bus journey to work for a brisk walk or bike ride, could save you up to £528 a year. Walking your children to school instead of packing them in the car will save you money, improve your health, and give you more quality time with your family. In many respects, this is really a question of common sense: I was once staying with friends who would take their children to school by car each morning – although school was as close as a five-minute foot-walk. Needless to say, none of them gained particularly high grades in the sports department.

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3. Reduce medical costs

Many see the latest health hype as a question of aesthetics only. It is indeed true that the general ideal of beauty tends to favor a slim and fit body. And yet, losing a few pounds and incorporating exercise into your lifestyle is far more than just about looking good – it could help your sleep improve, reduce the regularity of headaches and boost your immune system. This will, in turn, save you the money you may normally spend on over the counter medicines. Losing excess weight will also reduce blood pressure, high cholesterol levels, and stress on joints so you may find your prescription costs taking a cut too. And if the results of this ‘rational’ approach should also increase your appeal to the other sex, then you can simply consider it an ‘added benefit’.

4. Reduce monthly food bills

Switching pre-packaged, processed foods for homemade meals can have a huge impact on your monthly food spending. For the price of a pre-packaged soup that would last you two days, you can buy the ingredients to make a portion of soup that would last you five. Not mention the savings you’d gain from giving up or cutting down on expensive takeout. A takeout meal can cost anywhere from two to five times the amount a meal made at home would, and packs on at least double the amount of calories.

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What’s more, switching to fresh, homemade meals can also significantly improve your body’s processing of the food. It has been scientifically demonstrated that your body prepares for the intake of foods during the cooking phase and can thus digest them a lot better. You’ll find yourself feeling fitter and more satisfied after meals – once again, considerably improving your general quality of life.

5. Cut down on expensive activities

Instead of spending $40 taking your family to the cinema (not to mention the cost of snacks) take your family to the park and invest in a football. Outdoor activity will boost your mood, improve your health, and best of all, it’s free.

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As you can see, living a healthy lifestyle does more than reduce your waistline and you will discover countless other ways that your finances can improve by taking stock and cutting back on unhealthy habits. Best of all, changing your general well-being will also change your entire perspective on life. Try conducting the same experiment mentioned in the first paragraph half a year after you’ve improved your health – my bet is you’ll be thinking of far more affordable things than gym memberships, organic produce, and an array of vitamins.

This article was written in association with financial service provider eccount money, a UK company specialising in basic bank accounts and online banking services.

Currently reporting directly from the City, William Masters is a journalist specialising in economics and personal finances. In his writing, Masters deals with prepaid card technology, the development of the banking market in the early 21st century as well the effects of online technologies on the finance industry.

Featured photo credit:  Group of happy children lying on green grass via Shutterstock

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Last Updated on September 16, 2019

How to Stop Procrastinating: 11 Practical Ways for Procrastinators

How to Stop Procrastinating: 11 Practical Ways for Procrastinators

You have a deadline looming. However, instead of doing your work, you are fiddling with miscellaneous things like checking email, social media, watching videos, surfing blogs and forums. You know you should be working, but you just don’t feel like doing anything.

We are all familiar with the procrastination phenomenon. When we procrastinate, we squander away our free time and put off important tasks we should be doing them till it’s too late. And when it is indeed too late, we panic and wish we got started earlier.

The chronic procrastinators I know have spent years of their life looped in this cycle. Delaying, putting off things, slacking, hiding from work, facing work only when it’s unavoidable, then repeating this loop all over again. It’s a bad habit that eats us away and prevents us from achieving greater results in life.

Don’t let procrastination take over your life. Here, I will share my personal steps on how to stop procrastinating. These 11 steps will definitely apply to you too:

1. Break Your Work into Little Steps

Part of the reason why we procrastinate is because subconsciously, we find the work too overwhelming for us. Break it down into little parts, then focus on one part at the time. If you still procrastinate on the task after breaking it down, then break it down even further. Soon, your task will be so simple that you will be thinking “gee, this is so simple that I might as well just do it now!”.

For example, I’m currently writing a new book (on How to achieve anything in life). Book writing at its full scale is an enormous project and can be overwhelming. However, when I break it down into phases such as –

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  • (1) Research
  • (2) Deciding the topic
  • (3) Creating the outline
  • (4) Drafting the content
  • (5) Writing Chapters #1 to #10,
  • (6) Revision
  • (7) etc.

Suddenly it seems very manageable. What I do then is to focus on the immediate phase and get it done to my best ability, without thinking about the other phases. When it’s done, I move on to the next.

2. Change Your Environment

Different environments have different impact on our productivity. Look at your work desk and your room. Do they make you want to work or do they make you want to snuggle and sleep? If it’s the latter, you should look into changing your workspace.

One thing to note is that an environment that makes us feel inspired before may lose its effect after a period of time. If that’s the case, then it’s time to change things around. Refer to Steps #2 and #3 of 13 Strategies To Jumpstart Your Productivity, which talks about revamping your environment and workspace.

3. Create a Detailed Timeline with Specific Deadlines

Having just 1 deadline for your work is like an invitation to procrastinate. That’s because we get the impression that we have time and keep pushing everything back, until it’s too late.

Break down your project (see tip #1), then create an overall timeline with specific deadlines for each small task. This way, you know you have to finish each task by a certain date. Your timelines must be robust, too – i.e. if you don’t finish this by today, it’s going to jeopardize everything else you have planned after that. This way it creates the urgency to act.

My goals are broken down into monthly, weekly, right down to the daily task lists, and the list is a call to action that I must accomplish this by the specified date, else my goals will be put off.

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Here’re more tips on setting deadlines: 22 Tips for Effective Deadlines

4. Eliminate Your Procrastination Pit-Stops

If you are procrastinating a little too much, maybe that’s because you make it easy to procrastinate.

Identify your browser bookmarks that take up a lot of your time and shift them into a separate folder that is less accessible. Disable the automatic notification option in your email client. Get rid of the distractions around you.

I know some people will out of the way and delete or deactivate their facebook accounts. I think it’s a little drastic and extreme as addressing procrastination is more about being conscious of our actions than counteracting via self-binding methods, but if you feel that’s what’s needed, go for it.

5. Hang out with People Who Inspire You to Take Action

I’m pretty sure if you spend just 10 minutes talking to Steve Jobs or Bill Gates, you’ll be more inspired to act than if you spent the 10 minutes doing nothing. The people we are with influence our behaviors. Of course spending time with Steve Jobs or Bill Gates every day is probably not a feasible method, but the principle applies — The Hidden Power of Every Single Person Around You

Identify the people, friends or colleagues who trigger you – most likely the go-getters and hard workers – and hang out with them more often. Soon you will inculcate their drive and spirit too.

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As a personal development blogger, I “hang out” with inspiring personal development experts by reading their blogs and corresponding with them regularly via email and social media. It’s communication via new media and it works all the same.

6. Get a Buddy

Having a companion makes the whole process much more fun. Ideally, your buddy should be someone who has his/her own set of goals. Both of you will hold each other accountable to your goals and plans. While it’s not necessary for both of you to have the same goals, it’ll be even better if that’s the case, so you can learn from each other.

I have a good friend whom I talk to regularly, and we always ask each other about our goals and progress in achieving those goals. Needless to say, it spurs us to keep taking action.

7. Tell Others About Your Goals

This serves the same function as #6, on a larger scale. Tell all your friends, colleagues, acquaintances and family about your projects. Now whenever you see them, they are bound to ask you about your status on those projects.

For example, sometimes I announce my projects on The Personal Excellence Blog, Twitter and Facebook, and my readers will ask me about them on an ongoing basis. It’s a great way to keep myself accountable to my plans.

8. Seek out Someone Who Has Already Achieved the Outcome

What is it you want to accomplish here, and who are the people who have accomplished this already? Go seek them out and connect with them. Seeing living proof that your goals are very well achievable if you take action is one of the best triggers for action.

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9. Re-Clarify Your Goals

If you have been procrastinating for an extended period of time, it might reflect a misalignment between what you want and what you are currently doing. Often times, we outgrow our goals as we discover more about ourselves, but we don’t change our goals to reflect that.

Get away from your work (a short vacation will be good, else just a weekend break or staycation will do too) and take some time to regroup yourself. What exactly do you want to achieve? What should you do to get there? What are the steps to take? Does your current work align with that? If not, what can you do about it?

10. Stop Over-Complicating Things

Are you waiting for a perfect time to do this? That maybe now is not the best time because of X, Y, Z reasons? Ditch that thought because there’s never a perfect time. If you keep waiting for one, you are never going to accomplish anything.

Perfectionism is one of the biggest reasons for procrastination. Read more about why perfectionist tendencies can be a bane than a boon: Why Being A Perfectionist May Not Be So Perfect.

11. Get a Grip and Just Do It

At the end, it boils down to taking action. You can do all the strategizing, planning and hypothesizing, but if you don’t take action, nothing’s going to happen. Occasionally, I get readers and clients who keep complaining about their situations but they still refuse to take action at the end of the day.

Reality check:

I have never heard anyone procrastinate their way to success before and I doubt it’s going to change in the near future.  Whatever it is you are procrastinating on, if you want to get it done, you need to get a grip on yourself and do it.

More About Procrastination

Featured photo credit: Malvestida Magazine via unsplash.com

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