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10 Healthy Habits That Will Save You Money

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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.

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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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Published on November 8, 2021

How To Achieve Financial Freedom With the Right Mindset

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How To Achieve Financial Freedom With the Right Mindset

What would being financially free mean to you? Have you made the mistake of thinking that financial freedom requires millions of dollars and decades of hard work? When it comes to our relationship to money, the answers really lie in our mindset. Change your mindset around money and your entire financial outlook will change with it.

And no: we’re not talking about putting a check for a million dollars under your pillow at night. This is about you becoming a financially free person, in whatever capacity you choose. And that’s really the key: it needs to be defined by you. So many people outsource this responsibility to society/celebrities/the government etc… and as a result never achieve it.

What if you could identify what financial freedom looks like for you, realize that it is possible to get there in a matter of a few months and then build a road map to do just that?

Read on, because that’s what we’re going to open you up to. This isn’t about giving you specific strategies “guaranteed to work in five minutes or your money back…blah blah.” This is about awakening you to just how powerful you are, where your blocks lie and how to smash through them effectively.

Financial Freedom – What is it?

Well like I said: I’m not going to define this for you. That misses the whole point of this article, but let’s lay out some ideas to get you started.

Typically, when we talk about financial freedom in the west, we really mean: freedom from needing to work, in order to meet financial obligations. We know that there has been a rise in depression amongst nine-to-fivers, 62% as a matter of fact between 2019 and 2020 in the USA.[1] It’s therefore no wonder that there has been correlative uptick in the search for alternative solutions to finances.

This depression is largely as a result of feeling trapped, unable to realize potential and being denied opportunity. It is also likely that, thanks to a more global world and social media: we see just how abundant life can be for some; like a carrot dangled tantalisingly close, but just out of reach. We yearn for more meaning in our lives, more excitement and to be able to live on our terms.

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Finances are (as we see it) the stumbling block and the preserve of the chosen few…not us.

So to start building an accurate picture of what financial freedom would be for you, begin with what your life would look like if you didn’t have to worry about money. How would you feel if you didn’t have to consider your monthly budget, when putting your hand in your pocket to pay for lunch?

The point is that a lot of the stress and resulting depression that comes from feeling like a ‘wage-slave’ is down to our lack of clarity on what we actually want. We get caught, focussing on what we lack and that perpetuates a mindset of lack that very quickly is reflected in our reality. We are allowing our subconscious, emotional mind to be bombarded with imagery every day that reenforces a sense that we aren’t good enough. That we do not have what it takes.

That wouldn’t happen though if we had done the work of pinning down exactly what we wanted in the first place.

Does Financial Freedom Come at Extreme Levels of Net Worth?

There is a tendency, thanks again largely to how we are conditioned through media, to think that financial freedom only comes at extreme levels of net worth. What if I told you that is completely ill-founded and untrue?

Using the standard/assumed definition of financial freedom for a moment; this means that you need enough capital to generate a return that is greater than, or equal to your monthly expenditure. That doesn’t necessarily tell the full picture, but nevertheless; it’s is a good place to start.

If your monthly outgoings (mortgage, bills etc…) come to $3,000 for argument’s sake, you can achieve that with as little as $108,000 invested over three years.[2]

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Hardly the millions you had probably envisioned is it?

Remember: we’re not talking about you living a lavish lifestyle necessarily. If that is what you want; fantastic, it’s certainly achievable, but what we’re getting at here is your ability to meet all of your financial obligations without having to work.

I’m sure you’re unlikely to find $108,000 down the back of your couch, but it is a figure that is well within reach of most working adults. A $36,000 salary opens you up to borrowing that kind of money, and even if you have to continue working in the short term in order to service the debt and keep up with your bills; you’ll have a clear end goal in sight.

And you’ll have doubled your income in the meantime, for the same amount of work!

How To Achieve Financial Freedom With the Right Mindset

As we touched on earlier, coming at your life from a space of ‘lack’ simply perpetuates more of the same. As I always say: your environment doesn’t lie. Look around you, if you’re dissatisfied with any aspect of your life, you first need to accept responsibility for it. If you don’t, you’re abdicating your power to make new choices.

You may well have been the victim of circumstance in the past, but how you respond and what you do with that experience is up to you. If you choose to look for the positive, however minor it might be in any given situation – your experience of life will begin to change.

This is, in essence, what The Law of Attraction is all about. What lies behind it is your reticular activating system (RAS). The part of your brain designed to filter out the (as it sees it) unless information, highlight the important information and prioritize your safety. Thanks to it being part of your primeval/‘lizard’ brain however, it predates the conscious mind, intellect and reason.

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The issue for a lot of us is that we haven’t understood how to communicate in a way that our RAS understands. We can’t translate our conscious desires and are therefore caught in a loop between two incongruous forces.

Our subconscious wants us to be alive and it bases its criteria for this, largely on the principal of: same = safe. Meanwhile, your quality of life, passive income, work/life balance etc… are inconsequential. That part of your mind doesn’t give a hoot about the utility bill or being able to afford a holiday.

It is perfectly possible to show you subconscious/RAS the benefits of financial freedom though, or indeed any other outcome you’d like to see in your life. You just have to speak its language. Becoming debt free and financially free is actually one of the easiest things you can communicate to your subconscious, because you have so much ‘real-world’ experience with money.

Here’s how:

  1. Start by clearing your mind and being present – find a meditation, visualization or breathing exercise that calms your mind, allows you to focus on the present moment and become an observer of your surroundings. The point of this is to stop all of those thoughts buzzing around in your head that are pulling you back to the past, or projecting you into an imagined future.
  2. Then build a mental movie or slideshow of what your average day would look like, were you to achieve financial freedom. We’re not talking about big occasions, huge wins or events; just an average day.
  3. From your position of present observer – start to observe the feelings that arise as you go about this average day in your new life. Do you feel your shoulders relax and drop? Have you got excited ‘butterflies’ in your stomach? Are you smiling more?

Learn to recall these feelings at will – this will connect the dots for your RAS and you will soon start noticing a shift. Think of it as connecting with your desired future and pulling it into/towards your present.

Bonus Hack – Practice Gratitude

We’ve already discussed how you can start attracting/observing the opportunities that will enable you to achieve financial freedom. This involves a lot of work in order to finesse, but the principals are easy enough to understand. Something that we can all do, no matter what we’re trying to achieve, is practice gratitude.

Using the same principals that I’ve outlined above: something of a ‘catch-all’ that we can train our minds to produce more of, is gratitude. If we can shift our mindset so that the next time some negative, external and unforeseen event occurs, we are still able to be grateful for it; your entire experience will shift.

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Not only will you observe more to be grateful for all around you on a daily basis, but you will shift out of a mindset of ‘lack’. All of the barriers that stood in your way before (not enough capital, stuck in a job I hate etc…) they will shift to becoming things that support your desires and goals.

For example:

The job you hate, when reframed as the means to support a transitional stage of your life (i.e. enabling you to borrow money to invest) suddenly gives you a resource to be grateful for.

The added beauty of this is that your RAS doesn’t know the difference between a big win and a small win. You being truly, deeply grateful for your socks (for example) carries the same weight as being grateful for your health, or your spouse. This is why I say “practice” gratitude. You can start whenever you want!

Look around you right now and find something that you really are grateful for, no matter how small and seemingly inconsequential.

Practicing this will create a snowball effect. Much quicker than you might think: you’ll be overwhelmed with gratitude for your life and all that’s in it.

In Summary

Financial freedom is more within your reach than you probably think or feel. Understand that the limits you’re assuming to be there are largely a product of your subconscious mind, having been drip-fed evidence of that over the course of your lifetime. Changing that might take a lot of effort in the short-term, like cranking over an old car, but the effects will begin to build up quickly and self-perpetuate.

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Apply this mindset to your financial situation and you will find that it too will begin to ‘snowball’. Financial freedom is closer than you think, so start looking for it today!

Featured photo credit: Pepi Stojanovski via unsplash.com

Reference

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