Showing posts with label decision. Show all posts
Showing posts with label decision. Show all posts

Friday, June 20, 2014

Make the Right “BIG” Decisions – Healthy Lifestyle Decisions (pt. 5 of 5)

By Olivia Sandham 

If you’ll recall, the very first post in this series pointed to the idea that financial and lifestyle changes to improve overall wellness seemed similar because they can appear more like sacrifices and they probably wouldn’t stick in the long run.  The post concluded that trying to implement “BIG” financial and lifestyle decisions might be more worth the effort.  Since we have covered all of the financial “BIG”s in the last few posts of this series, let’s finish out the series by summarizing the “BIG” lifestyle decisions that could be made to improve your overall health.

1. Plan and Prepare Ahead:  Set aside a couple hours every few days (I use Sundays and Wednesdays, for example) to put together a healthy shopping list, buy the groceries, and portion/prepare snacks and meals in advance.

Benefits:  No more eating out because “there’s nothing in the fridge”, no more missing snacks/meals, no more microwave meals, no more worry and hassle trying to feed yourself and your loved ones (the stress alone makes me want a brownie). You can eat more healthy and more frequently, which will keep your metabolism going.  You could have more time to enjoy the meals with your loved ones, more energy from eating better, and you might even lose some unnecessary pounds.

Effort:  Planning and preparing does take some time, and certainly some effort at first if this is new to your schedule, but just like anything else you do on a continued basis, it easily becomes a habit and part of your weekly routine.  By having snacks correctly pre-portioned, vegetables and fruit already washed and cut, and meals prepared and ready to cook, you will ultimately save time and stress, which means having more free time and energy for other things.

2. Remove and Replace:  Figure out what food items are holding you back from your goals (i.e. aforementioned brownies) and remove them from your diet by replacing them with a better alternative.  You’ll be looking for less calories, less fat, less sugar, less carbs, and more protein, fiber, and vitamins.  Make small changes in your replacements so it doesn’t seem like such a leap or sacrifice.  Keep trying new and different healthy choices to see what works for you.  If you drink regular soda, try drinking juice or tea, and work your way to unsweet tea and water.  If you drink 2% or whole milk, try drinking 1% and work your way down to skim milk.  If you have a sweet tooth, replace those brownies with fruit and chocolate sauce, and eventually work your way down to eating just the fruit.  Replace your red meats with poultry by preparing them in the same fashion at first, such as using a chicken or turkey patty on your cheeseburger, or using ground turkey in your chili.  Add vegetables where you can, even if you have to add extra seasoning at first.

Benefits:  You can try new and different foods, plus fuel your body with better choices which will result in better health, focus, energy, and possibly even put you in a better mood.  And of course, you might lose some weight by choosing better food alternatives.

Effort:  This might take a little research on which foods work as good replacements and how to prepare them.  You should also pay more attention to nutrition details of items, which could take a little longer when deciding what to buy/order.  But you will be amazed how quickly your body will adapt to eating healthier food items, how little you will miss the old items, and how much better you will feel every day.

3. Focus on More:  When you think about being healthier, do the words "restrict" or "limit" or "diet" come to mind?  Why must we immediately go to the negatives when we think about being healthier?  Instead of thinking about what you could be missing or sacrificing, focus on what you WILL be getting.
  • Eat more frequently
  • Try more types of foods
  • Get more sleep
  • Drink more water
  • Do more physical activity
  • Have more energy
  • Have a more positive attitude
  • Feel more accomplished and in charge of your life
  • Possibly encounter more opportunities along the way
Benefits:  Changing your attitude, although listed as the third item in this blog, should probably be your first focus.  By focusing on MORE, everything you decide to do from here forward will be easier and seem less like a sacrifice and more like something you GET to do, GET to eat, or GET to achieve.

Effort:  This is such a simple change, but it might not be that easy.  Pay attention to your attitude when you hear that little voice inside your head, when you talk to others, and when you respond to others.  Catch yourself if you veer toward the negative or the less, and steer yourself right back on track to the positive and to the MORE.

And with that, our blog series on Making the Right Decisions concludes.  We hope you enjoyed the series and look forward to hearing how you have started making better decisions toward achieving your finance and health goals!

Thursday, June 19, 2014

Make the Right “BIG” Decisions – Earn More Money (pt. 4 of 5)

By Olivia Sandham
 
Last week, we took a look at how renegotiating rates could be a “BIG” decision to improving your financial situation.  This week, we will conclude our discussion on “BIG” decisions by covering the final financial “BIG” and summarizing the lifestyle “BIG” decisions you could make.
 
E A R N   M O R E   M O N E Y
 
If your wallet has been feeling light or you look at your financial accounts at the end of every month and see less than you would like, you may want to consider trying to earn more money.  Here is a compilation of some of the many ways you could earn more money on a regular basis:
  • If you are paid hourly, ask your boss how you can earn more hours or overtime or what you can do to earn a raise.
  • Find a part-time job or become a temp.
  • Rent a spare room in your house.
  • Offer your own services such as  dog walking, babysitting, house sitting, running errands for the elderly, cleaning, landscaping, maintenance, carpentry, tutoring, coaching, photo/videography, graphic/web design, and more.
  • Sell your own products such as handmade crafts/jewelry, up-cycled garage sale items for resale, and fruits and vegetables from your garden.
  • Sell direct sales products such as Avon, Mary Kay, Scentsy, Tupperware, and others.
  • Become a blogger, mystery shopper, write product reviews, or complete surveys.
  • Get paid to wrap your vehicle in advertisements.
  • For more ideas on how to make money, check out this fairly comprehensive article I found while doing some research, titled “52 Ways to Make Extra Money”.
Benefits:  Obviously everyone wants to earn more money so they can have more money to spend right now, so they can worry less about expenses and bills, and have a better current lifestyle.  But many of these particular methods to earning more money also include other underlying benefits, such as:
  • You could invest more money toward your savings/investments, which could mean having a better lifestyle during retirement.
  • Since you will be working a little more for your money, you may be inclined to make better decisions with how you choose to spend/invest it. (cue music “You work hard for the money, so hard for it honey!”).
  • Using your free time wisely to earn more money might keep you from filling your free time by spending it.
  • Many of these activities may result in broadening your professional and social network, which could lead to even more opportunities to earn more money.
  • Many of the ways to earn more money could be intellectually and emotionally exciting and rewarding, since you could challenge yourself, learn something new, explore your creative side, help others, and more.
  • Some of the methods could also increase your level of physical activity and wellness, such as is the case with dog walking, landscaping, etc.
Effort:  Yes, earning more money takes a little more time and energy than some of the other financial “BIG”s explained in this blog series, but depending on how you go about earning the money can determine if the benefit is worth it.
  1. First, decide which method(s) of earning more money seem most appealing and get started on a plan for each.  For instance, if you’re going to talk to your boss, set up a meeting and prepare what you are going to say; if you want a part-time job, update your resume; if you’re going to offer products/services, make sure you have all the necessary supplies.
  2. Next, implement your plan of action by applying for jobs, notifying others of your available services/products (by using word-of-mouth or online sites like Craigslist, Etsy, Ebay, Fiverr, Facebook), signing up for direct sales programs, mystery shops, surveys, or whatever it takes to get your method actually started.
  3. Finally, when it comes time to get out there and “earn that dough”, give it your best effort.  For example, perform better at work than you ever have; impress your boss and co-workers at your new part-time job; be the best dog walker, baby sitter, landscaper, or graphic designer you can be; push yourself to sell more products; explore new and creative ways to earn more money.  When it comes time to actually earning the money, if you (as they say) “hit the ground running”, then you will be well on your way to earning more and more money as time progresses and your endeavors continue to succeed.
Stay tuned for tomorrow’s post which will wrap up our series by summarizing the three lifestyle “BIG” decisions you could make!

Friday, March 28, 2014

AARP Retirement Calculator: Are You Saving Enough?

Are you looking for a fun, free, and easy method to try estimating your retirement? We discovered the AARP Retirement Calculator, a neat online device that can make thinking about your future and retirement a little more enjoyable. Using the calculator can be a great way to check if the plan you currently have for your financial future should allow you to retire when and how you want. Discover all your options and how the choices you make today and in the near future could ultimately affect your retirement finances!

Before using the calculator, we encourage you to read our list of “Pros and Cons of Using the AARP Retirement Calculator”:

PROS:
  • Using this calculator can be a good starting checkpoint to see if you are currently on track for retirement, currently way off track for retirement, or somewhere in between.
  • After inputting your information, click on “Options” to see what changes you can make in retirement to help you have more income available if needed or desired.
  • At any point, you can also go back to the “About You” section and change answers, allowing you to see how different choices starting now could possibly affect how much income will be available to you in retirement. This can be a helpful tool if you are able to actually implement some of these changes in your life, such as how much of your income you and your partner save for retirement each year.
  • When deciding your lifestyle in retirement, click on “Learn more about Retirement Lifestyle Assumptions” and you can manually input what percentage of your current lifestyle expenses you plan to have in retirement.
CONS:
  • The calculator does take into consideration the multitude of creative ways you can collect more Social Security income (to be discussed in next week’s blog!)
  • The calculator cannot substitute for the valuable knowledge and experience of a financial advisor. This tool should only be used for fun to see where you are at now and how different decisions could affect your future outcome, but make sure you discuss any officially changes in your retirement plans with your financial advisor.
Think you’re ready to give it a try? Click here to Get Started.