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10 Healthy Habits That Will Save You Money

10 Healthy Habits That Will Save You Money

These healthy habits will help you look and feel good on a budget. If you’d like to boost your bank account while getting fit and healthy, try out these easy-to-implement health tips.

1. Establish a six-pack limit.

Confession: I love alcohol. Whether it’s a white russian, red wine, dark beer (Guinness especially) or straight-up liquor, you’ll be hard-pressed to find an alcoholic beverage I can’t say “cheers!” to. Of course, drinking too much is no good for your wallet or your waistline. For evidence, look no further than that guy you knew in high school who used to be a ripped monster (but now has an uber-big beer belly). That is the consequence of drinking way too much. To maintain a healthy weight and save money, limit yourself to 6 drinks per week. That could be one serving of alcohol per day, or, if getting drunk is your style, you’re welcome to save it for the weekend. Have fun (but don’t get carried away!).

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2. If you’re gonna eat out, split a dish.

Restaurant prices and portions are out of control these days. If you’re going out on a date, don’t be afraid to ask your waiter or waitress if you can split a dish. They are 99.9% likely to say “yes,” and you’ll spare some dough (not to mention that upset stomach you usually have after eating out).

3. Brew delicious coffee at home.

I love Starbucks as much as the next person, but a lot of folks get too carried away. You do realize that if you spend $3 per day on over-priced (and sugar-laden) coffee drinks, you’re out $90 per month, right? Even if you cut that in two, it is just too much. Think about what you could do with all of that money: the vacations you could take, the beaches you could visit, the things you could do! Convinced? Right then: I know some of you probably go to Starbucks because you don’t like real coffee. You like the sugar-bomb drinks masquerading as coffee (and at a mark-up!). For a healthier (and more budget-friendly) coffee, brew it at home. Add a dash of cinnamon and a splash of milk, then stir and enjoy (you’ll thank me later). For more ways to make your coffee super healthy, click here.

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4. Shop for meals (not just stuff).

Have you ever made the mistake of going to the store while you were so hungry that you could eat your hand? I have. Let’s just say the contents of my shopping card were a bit, shall we say, excessive? Hungry or not, going to the store without a plan is a sure-fire way to waste money. Instead of making a general shopping list, make a weekly cooking list. Write down everything you plan to eat for the next 7 days and list every ingredient you will need below your meals. If it’s not on the list, it doesn’t go in your shopping cart. Click here for a big list of over 100 quick and easy healthy recipe ideas that will make you say “nom, nom!”

5. Start a food diary.

Did you know a pen and paper can help you save money and get healthy? True story. Do this: write down every meal you eat for the next week. Also include any details like what time you ate, how you felt after eating (did your meal make you feel happy and fulfilled or sad and lethargic?), and a rating of how much you enjoyed your meal from 1-10. I would be willing to wager you’ll discover that natural, healthy foods like fruits and veggies make you feel a whole lot better than processed junk. This isn’t news: you know it — I know it — we all know it. But keeping a diary and being aware of the effect food has on your mood, energy, and body makes it a whole lot more personal (so you’re going to be more likely to make better decisions in the future!). While you’re at it, you should also start a training diary: click here to find out why.

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6. Keep your closet tidy and organized.

Get a really big bag and keep it in the bottom of your closet (an over-sized department store bag or trash-bag would work). As clothes become old and neglected, they go in the bag. If you can’t remember the last time you wore it, it goes in the bag. Every time your bag fills up, take your clothes to a local thrift store to make some dough (cha-ching!) and give the rest away to a charity (or friend) of your choice. Eliminating clutter will help you reduce stress (and who can argue with some extra spending money?).

7. Squeeze exercise into your busy schedule.

If you’re a member of club broke (or even if you’re not), it’s totally okay to work out at home. Exercise is the best medicine you’re not taking (and it’s a whole lot cheaper than that over-the-counter stuff!). It doesn’t have to be anything elaborate. You could wake up 30 minutes early and start your day with a dog walk or neighborhood run. You could park super far away or take the stairs to get some extra walking in. You could invest in a chin-up bar (or just grab onto a tree branch) and build a strong back that’s less prone to injury. Can’t do push-ups? Do incline push-ups on a wall, counter, or sturdy table. Any exercise is better than no exercise, so get moving (no matter how long you have!).

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8. Brown bag your lunch.

This tip is obvious, but it’s obvious because it works. If you’ve never tried preparing and packing your own lunch, just try it for a week or two. Compare the expense of eating out to the cost of cooking in and I have no doubt you’ll be pleasantly surprised. If you’re short on time, prepare 3-7 days of food at a time and refrigerate or freeze it as applicable (and then you can just “zap” it at meal time).

9. Feel the wind in your face.

Since gas is one of the most expensive things ever, why not turn a negative for your bank account into a positive for your body and environment? If you live close enough, bike to work. You’ll save tons of cash on gas, lose weight, and release endorphins (your body’s feel-good chemicals that make you feel on top of the world). If biking to work is out of the question, try to squeeze a quick walk into your morning and/or lunch hour.

10. Stick with it.

The best fitness plan is worthless if you can’t stick with it for more than a few weeks or months. I know changing your negative habits isn’t easy, but you just gotta do it. If you have a lot of bad habits and aren’t sure how to start, check out my guide to breaking bad habits once and for all.

I hope putting these healthy habits in practice helps you feel happy, look good, and save money. If you have any other cost-saving health tips, please post them below. Questions? Don’t hesitate to ask.

More by this author

Daniel Wallen

Daniel is a writer who focuses on blogging about happiness and motivation at Lifehack.

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Last Updated on March 29, 2021

Life Insurance: A Secure Way To Protect Your Future.

Life Insurance: A Secure Way To Protect Your Future.

Life is a journey full of ups and downs. No one can actually predict what might happen the next moment; there are times where the happiest moments do not even take a second to turn into the gravest. Planning for your future can help you face such unwelcomed but irrepressible situations with much ease. We all want to make every memorable event of our life more special and to cherish all those moments happily and worry less, you must financially plan your future. But no one has control over life and death. Who would wish to see his family suffer in his absence? Insurance hands over the financial jeopardy of life’s happenings to an insurance company.

Importance of getting a life insurance

No one has control over life and death. Nobody would like to see their family suffering in an absence, and that’s why many people recommend life insurance. A life insurance plan is one of the best ways to secure the future of your family, even against those financial troubles after an untimely demise. These plans are safe and credible, and you could trust them for your family’s better future.

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On the other hand, a life insurance policy is a contract between a company (insurance provider) and policyholder in which the insurance provider ensures to pay a certain amount of money to the nominated beneficiary in case of the policyholder’s death during the term of the agreement. There are different types of insurance plans, and it is important for you to know the benefits of those plans such as a funeral, medical or some life expenses provided they are mentioned in the agreement.

Choosing the right insurance plan

If you’re about to select an insurance plan, you should consider some important factors:

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  • The time at which you start investing in a program and the number of family members you want to get insured. Obviously, a married man with two children has different needs compared to a single one. The number of persons who are dependent on an individual also varies from person to person.
  • The next thing you need to consider is you and your family needs. What are your child’s dream, your retirement plans, for how long would your dependents need financial support, any personal injury, etc. And do not forget those events or situations that will surely demand a huge sum of money.
  • The next thing one must consider is your current income. You should preferably choose a plan which you can afford.

Now you must be having a pretty clear idea of how to choose the best plan for you. Further, you should also compare various plans offered by different companies and numerous sites available online that help will you to compare them.

Differences between life insurance plans

Here’s a short brief of some plan categories you can choose according to your needs:

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  • Term Insurance Plan – You have to pay once, and your nominee gets the paid money under your misfortune demise. It ensures a person for a fixed time. If you survive the policy period, you do not get your premiums back.
  • Whole Life Policy – This plan continues for your lifetime. Under this, the policyholder has to pay regular premiums, until their death.
  • Endowment Policy –  In case the individual dies during the tenure, the beneficiary gets the amount assured. If the person survives the policy tenure, they gets back the premiums paid with other investment returns along with several other benefits.
  • Money Back Policy – In this a portion of the money invested is returned to the investor at regular intervals. If you survive the insurance term you get the entire amount back; else the beneficiary receives the entire sum assured.
  • ULIPs – These are the life insurance plans that offer you future security plus wealth creation options.

Many people do not opt for whole life policy and endowment policy because of the high amount of money you need to pay, while others may prefer to opt for these if they have a high life expectancy. Surely you will find the best one for you.

So what are you waiting for? Plan for your future and live a happier and carefree life today.

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Featured photo credit: aryehsampson.com via aryehsampson.com

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