5 Keys To Becoming Financially Fit (Part Two)

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How Can I Go About Becoming Financially Fit?

In Part One we looked at tracking expenses and the importance of finding out where your money is going. You cannot control what you do not track, so listing every single expense for at least a month is absolutely critical. We also talked about becoming financially fit by breaking all expenses into either fixed or variable expenses. I used the term ‘fixed expenses’ to be those that are paid once a year such as insurance premiums and property taxes. The totals paid out for these expenses should be divided by 12 so that there is a monthly cost that is included in your calculation for total monthly expenses.

Today we are going to look at your ‘variable expenses’ and how you can go about either eliminating or reducing them to a fraction of your previous month’s expenses. We will define ‘variable expenses’ as all those expenses that are not classified as fixed.

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Becoming Financially Fit Through Reducing Your Variable Expenses

There are just a ton of ways to reduce your overall spending throughout the month. It just requires dedication, determination and a clear reason for why you want to become ‘financially fit.’ Wanting to save money is not a good enough reason. If that’s all you have, then you will fold like a cheap tent when the going gets the least bit hard. And it will get hard, if you are doing this right, and if you have an important enough reason.

I am going to put a few suggestions out there and you will no doubt have some of your own. It becomes almost contagious as you start to think of different ways to cut your expenses and eliminate spending. Just look at the things immediately around you and open your mind.


 Look in your closet, look on your shelves, get out all the things that you will not wear or do not fit. Give them away or trade them to 2nd hand stores for clothes that you will wear.

Buy foods in bulk

ONLY when it makes sense to do so. Only buy items on sale and pay attention to what truly is a ‘sale’ item. Quantities work well for things that you will use up quickly like toilet paper. DO NOT buy six boxes of Q tips.

Use up what you have in your fridge, in your freezer, in your pantry

 Get creative. With millions of recipes and suggestions at your fingertips you can make a meal out of almost anything.

More Ideas…

becoming financially fit

Grow a garden, and if zoning permits raise some chickens. Go together with a few others if that’s the only way you can manage to grow something.

Go an extra week or two between haircuts or hair appointments. No, it won’t look flawless all the time but does that really matter?

Make your own meals at home and take a lunch to work. Don’t have time to cook or make a lunch? I bet you do if you try this one simple trick. Move the TV or computer into the kitchen.

Combine or eliminate vehicle trips whenever possible. Avoid the impulse to leap in your car and drive. Phone ahead, don’t waste your time and fuel if the person or thing you are going for isn’t even there.

Make your own coffee. If you must buy gourmet beans, use them in moderation and use them on special occasions. Make that your Sunday morning cup of coffee.

Cancel your gym membership. If there isn’t anything around the house that you can do for cardio and strength training, just go out and find someone that needs a hand with doing physical work. Volunteer for non-profits, you will be amazed who you can help.

These are just a few simple tips and there are countless others that we have used to lower our expenses. Get creative and get the children involved as well. After all, there are a lot worse skills to possess than those of being able to cook and to run a lean household.

Tomorrow we are moving on to Savings and some innovative ways to accomplish that even when it seems like there is no money to save. See You Then…

Till Next Time….

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Sigrid McNab

Skype: sigrid.mcnab

Email: sigridmcnab@gmail.com

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About Sigrid McNab

Sigrid McNab is the author of #1 Amazon Best Seller, speaker and the CEO and Founder of sigridmcnab.com. Sigrid specializes in blogging, attraction marketing, and generating highly qualified leads. Sigrid teaches people how to build a successful online business.

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4 Responses to “5 Keys To Becoming Financially Fit (Part Two)”

  1. Linda Li Says:

    Great simple tips to start the motion.


    sigrid Reply:

    Thanks Linda for your support and for stopping by…



  2. Hale Yes Says:

    I hope you know I feel guilty every time I read your material. :)
    Your post today got me thinking about priorities. My mother and father had a priority to “SAVE MONEY” They disapproved when my wife and I paid for special schooling. Our boys had multiple learning disabilities. We felt the expenditure “had to be done” and my mother fielt “you can’t afford it.” We struggled for years but I look at two college graduates who are making it in the world and I see the fourth grader who didn’t know the alphabet. Money WELL spent in my book, even if we did struggle for years.

    Thanks for making me think!
    Dr. Hale
    Hale Yes recently posted…Your Niche Blog Versus a Niche Website – They are DifferentMy Profile


    sigrid Reply:

    Dr Hale thank you so much for sharing your story with us. It is an excellent example of redirecting one’s money from discretionary spending to a targeted value.



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