Saturday, January 2, 2016

3 & 4: Fitness

Time to share about goals 3 & 4 for 2016.

Get Fit.

Financially Fit.
Physically Fit.

3. Get financially fit.

I've been a Dave Ramsey fan forever.  I read his book "The Total Money Makeover" before we got married and I stuck to the Ramsey program.  

Okay.  I somewhat stuck to it.  

Okay, fine.  I took bits and pieces of his program that fit in with my lifestyle and I used those to save a little extra cash.

When we got married, I reread the book. And it wasn't that the hubs wasn't "on board", but he just wasn't that interested.  As long as I made the bills work out each month and we drove newer reliable vehicles, he was happy.

Fast-forward to 2015.

We had been working on our debt snowball a little bit, but not with any intensity to speak of.  In fact, we had all but stopped adding extra money each month and were living paycheck to paycheck.  AGAIN. 

Hindsight's 20/20, right?  

Of course, if we had done it right the first time and purchased vehicles with cash way back when, we wouldn't be in this predicament now.  But we didn't.  So here we are.

So there we were on New Year's Eve at about 11:15, sitting at the kitchen table listening to The Total Money Makeover audiobook.  Yeah, really.  We are THAT cool.  

We decided that 2016 HAS to be the year we get financially fit.  

So we reworked the budget, reworked the debt snowball, and set some financial goals for the next five years.

Would you believe that with the income we have right now, we could be debt free, except for the house and my student loans by the end of 2017?  That's embarrassing.  What have we been DOING with all of that money?

Get financially fit.

Set a budget and stick to it.  Tell our money where to go.  Every single penny.

4. Get physically fit.

I did my first Whole30 in summer 2015.  It was great.  Actually, life-changing.  Since then, my whole thinking about food has changed.

However, little by little, I let those "bad for you" foods sneak back into my diet.  The convenience foods.  The foods that invoke emotional satisfaction.  You know the ones.

And so, in 2016...I'm starting again.

Whole30, Day 1.  Right here, right now.

I just keep thinking about how I'll feel over Spring Break when I feel as great as I did last summer.  Pressing on now!

And yes, I made a Whole30 sticker chart too.  What can I say?  I love stickers.

This is on a scrapbooking card and on the back is a chart that includes my starting weight and starting measurements.  I'll just color in the box for the day of the month when I've made it through that day successfully and then add my fun little silver sparkley star sticker over the colored in box.  #nerdingout

Besides the Whole30, I'm also going to make sure I hit my 10,000 step goal each day in January.

I'll set some new goals in February.  One day at a time, one day at a time...

1. Read the Bible every day.
2. Put family first.
3. Get financially fit.
4. Get physically fit.

Do you have any financial or physical goals this year?  Let's work on them together!

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