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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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Published on October 28, 2020

13 Books on Money to Transform Your Finance Management

13 Books on Money to Transform Your Finance Management

One of the most obvious measures of our success is our wealth. That said, that statement alone can be taken in various directions. Some people think it’s a matter of how much wealth you have. We, on the other hand, believe that it’s more of how much you’re able to retain and manage from month to month and year to year.

Below is a list of books on money that we believe will transform your way of thinking about money management in several ways. From sparking interesting conversations about it to making plans for your financial future, this list covers many aspects of finance management.

How to Choose a Good Book on Money

To help you find the best books on money to reach your personal finance goals, we’ve done the research for you and have formed this list of criteria.

  • Relevant – Even though money has been around for a long time, the economy has changed a lot over the years. We want to ensure you the books recommended are offering relevant advice that would be ideal in any financial environment.
  • Offers a system – Financial advice is great, but it doesn’t always stick. Each book should overall provide tips and habits that will allow you to build a system to help you manage your money.
  • Sparks conversations – Reading about money is one thing, but these books should also encourage you to talk more about money with those around you to some extent. Even though we all have our own ways of managing money, discussing money can have merits in some circumstances.
  • Practical – While these books provide general financial advice, they should remain practical in that the advice should be obtainable for people to achieve. Most people don’t have the funds necessary to start a real estate business, but they can put away a few hundred dollars into a savings or investment account every month. Practical books will help you achieve your goals.

1. I Will Teach You to Be Rich

    As the title of the book suggests, this book delivers on a plan to be rich. The author, Ramit Sethi, has a background in personal finance and provides a detailed six-week plan for living out a “rich life.”

    This book on money covers a wide variety of aspects like using credit cards and maximizing rewards from them, opening a high-yield savings account, and automating accounts where you can save money with no effort from you at all. This book is filled with nothing but pure actions that are outlined and sectioned off in a good way.

    Buy “I Will Teach You to Be Rich” here.

    2. The Automatic Millionaire

      Another one of the great books on money that will help you build a system is The Automatic Millionaire. Written by David Bach, a financial writer, this book focuses on our ability to automate our finances and builds a system based on that.

      The idea with this book is to give you the knowledge and information to put together a system in an afternoon that will make a large impact on your financial future for the better.

      Buy “The Automatic Millionaire” here.

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      3. The Simple Path to Wealth

        The principles from this book on money were first presented by the author to his daughter through a series of letters. As such, you’d expect there to be plenty of actionable advice when it comes to investing and overall saving. Considering the direction of the book further, this book is light and has a casual tone to it. That said, it won’t shy away from complicated explanations. It’s one of the highest-rated personal finance books around and it’s clear why it is.

        Buy “The Simple Path to Wealth” here.

        4. Retire Before Mom and Dad

          This is a book for those who are looking to be involved in the FIRE movement. FIRE stands for Financially Independent, Retire Early, and it’s clear why many people are striving for this or considering it.

          This book delves into the principles and acts as a primer for this movement and going down this path. That said, it also considers other principles that make FIRE more attainable or easier to achieve, even if you’re not planning on retirement in the next few years.

          Buy “Retire Before Mom and Dad” here.

          5. When She Makes More

            Money is a topic that most people shy away from, and it makes sense. Money is a status thing and seeing someone making more can cause unease or resentment. Money can also strain relationships and overall cause harm. People fear talking about money and it’s those emotions that cause problems in the first place.

            This book on money is powerful as it provides opportunities for women to be talking to their partner about money. After all, stereotypically speaking, men are meant to be making more money than women and it’s a sore spot when it’s the reverse. This book is fantastic because the author, Farnoosh Torabi, lives a life where she is the one making more than her partner.

            Getting into details, this book looks at the realities and the various rules she’s set up with her partner. She also discusses ways to maximize earnings while minimizing conflict.

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            Buy “When She Makes More” here.

            6. Women & Money

              Suze Orman is a financial advisor who most notably ran a show called The Suze Orman Show from 2002 to 2015. In the show, she received calls from viewers who asked for financial advice and whether or not it’s a good idea to buy various items.

              Orman has years of experience working in this field and pools a lot of her knowledge into the various books she’s published. Women & Money is one of the more recent ones. This book in particular talks about how women earn, invest, and save while also giving practical advice on retirement, marriage, and other topics.

              Whether you are 20 years old or 60, this is a good choice if you’re looking to learn more.

              Buy “Women & Money” here.

              7. Think and Grow Rich

                This famous book has been around for almost 90 years and still holds some relevant information. While this book on money won’t tell you about 401Ks and building a portfolio, it takes a turn to the mindset of building wealth.

                Through this book, you’ll learn more about desire and persistence as opposed to strategy or money management. While this is an odd book on our list, we believe it’s still important as the stories and the lessons are still relevant to your money attitude today.

                Buy “Think and Grow Rich” here.

                8. You Are a Badass at Making Money

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                  As you can guess from this title, this book takes a lighthearted angle to personal finance. Similar to “Think and Grow Rich,” this book also focuses on the mindset of earning and keeping money.

                  While this book lacks any sort of actionable financial advice, it’s compensated by the fact it’s inspiring. It’s an ideal book if you’re looking for a new perspective to making money and could spark conversation with friends, family, or your partner. On top of that, it’s a nice motivational booster.

                  Buy “You Are a Badass at Making Money” here.

                  9. The Millionaire Next Door

                    Another inspirational focused book that you’ll want to pick up is “The Millionaire Next Door.” Many years ago, Thomas J Stanley, Ph.D. and William D. Danko, Ph.D. did extensive research into the millionaires of America. From the various interviews they’ve conducted, they created a profile of America’s wealthiest citizens and discovered common connections amongst them all.

                    Stanley wrote it all in this book that has garnered over 1,700 five-star reviews and provides tremendous insight into what it’s like to be a millionaire. This is all explained through seven habits that all of these individuals have in common.

                    Again, there’s not so much practical advice here, but it prompts you to take a closer look at their overall lives and what you can do to change yours to be like theirs. Even if you’re not planning to be a millionaire, the lessons in there are all practical such as living below your means and rejecting traditional consumerism.

                    Buy “The Millionaire Next Door” here.

                    10. Spend Well, Live Rich

                      For those looking for a good book for budgeting and personal finance for beginners, this is a good pick. Author Michelle Singletary reflects on her life with her grandmother who raised five children on a modest salary.

                      By watching her grandmother, Singletary devised principles that her grandmother used to support that kind of lifestyle with what money she had. Through those principles, you can find inspiration in her story while learning about how to stretch the money that you already have.

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                      Buy “Spend Well, Live Rich” here.

                      11. Your Money or Your Life

                        The core of this book is financial independence and lays out a plan to reach that goal. While this book is the longest in this list, it does provide advice on pretty much every aspect of financial independence you can think of. It covers things like mindset requirements as well as investment moves that you should be making. Even if your plan isn’t to retire early, there is plenty of advice in this book you can use.

                        Buy “Your Money or Your Life” here.

                        12. Broke Millennial

                          Amongst millennials, this book on money is a favorite for its simple and relatable language. It touches on a lot of the struggles and issues that millennials are faced off with today—things like living with your parents in your 20s, dealing with student debt, and even dealing with friendships and your finances.

                          Between all of this, the book does offer plenty of practical advice and things to consider for those within this age group. It covers a broad overview of checking your credit score to even buying your first home. Even if you’re not there, chances are likely that the information mentioned in this book will be relevant for quite some time.

                          Buy “Broke Millennial” here.

                          13. Get a Financial Life

                            Another millennial-focused book is “Get a Financial Life,” which covers a lot of the basics for personal finance. This book is more direct with its advice since it covers things like doing your own taxes and paying off debt. The goal of this book is to provide a foundation for you to establish a financial life and it does so in a good and clear manner.

                            Buy “Get a Financial Life” here.

                            Final Thoughts

                            What a lot of these books teach us about money is that success doesn’t come overnight. It’s something that takes a while to build up. But it also shows just how changing your way of thinking or taking a few small steps can mean changing your financial path for the better. There are many great books on money, and these are only the start.

                            More Books on Money and Finance

                            Featured photo credit: Jonathan Borba via unsplash.com

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