Achieving financial fitness: a 3-step program

Just like keeping in good shape, achieving financial fitness also requires consistency and a whole lot of discipline. However, straightening out your finances is no easy task. In order to help you with that, here are three simple steps to get you started:

  • Everything in moderation. Being physically fit doesn’t mean having to eliminate every food you love for the sake of maintaining or reaching a certain weight. Depriving yourself of what you want leads you to give up entirely because resisting what you love is just too tough to give up.

The same concept can be applied to your money. Allow yourself to indulge a little, but keep in mind to set limits. It would be entirely wrong to blow out your paycheck in just one go.


  • Track your spending. When it comes to exercise, there are some activities that you loathe doing. For example, you hate ab exercises and feel you’re forced to do them rather than enjoy the process. This is why it’s always advisable to get them done before you proceed to the fun stuff. That way, they are out of the way and you’re free to do what you like.

It’s the same with tracking finances: you don’t want to do it, but it’s necessary in achieving financial fitness. You can use the pen and paper method or use apps if you like. Even better, you can create a separate savings account so you can immediately transfer a certain amount from your paycheck.

  • Set defined goals. Just like athletes, setting goals motivates you to go all the way. Tell yourself things like “I’m doing this to buy the house I’ve always wanted” or other mantras. Doing this will help you focus on achieving your goal of financial fitness.

The road to being financially fit is a long and tough one. But if you attack it with discipline and the will to succeed, why wouldn’t you be able to achieve your financial goals?