SAVING BY BEING HEALTHY

Save

 

We all have thought of so many ways to have more money by reducing electricity, recycling garbage, going to supermarkets where goods are cheaper, etc.  But have you ever realized that just by being healthy, you can save?

 

The World Health Organization (WHO) defines health as “the state of complete physical, mental, social well being and not merely the absence of disease.”   I am no health guru nor a gym enthusiast to talk about how you can be healthy.  But I know that by choosing to be healthy we can all be WHEALTHY!

 

TIP # 1  – CHOOSE WHAT YOU EAT

 

When we list down our top favorite food and drinks, we can find an array of good and bad foods and drinks.   They are our comfort food and these make us happy.

 

Take for example a guy named Johnny.  Below is his list of favorite food and drinks he takes in a month.  On top of these, he smokes 5 cigarettes a day.  He goes out with friends once a week  taking at least 5 bottles of beer.  Total cost of this lifestyle is P7,200 per month.   We also know the repercussions of  the deadly lifestyle  Johnny is living.

1

Johnny becomes sickly and absents himself  from his job more often than he usually does.  He then asks for an advice how to lose weight and improve his health condition from his friend, Timothy, a performance coach.  Timothy asks John to review his list and take an action plan about his “favorite things”.   Johnny resolves to:

  1. Totally stop smoking and buying soda
  2. Replace fastfood with homemade baon
  3. Replace frappucino with tea
  4. Still enjoy some beer, dessert and coffee at a reduced amount and less frequency.

And this is how his new list looks like:

2

 

By  choosing wisely what he should take and eat,  Johnny starts his way towards a healthier lifestyle and  saves P5,480 per month or an annual savings of P65,760!

 

TIP # 2  CHOOSE A WISER TRAVEL LIFESTYLE

 

According to a CNN on-line poll with over 200 respondents, 15% cited the traffic as their 2nd major source of stress , next to their jobs and studies.   Another survey from the Numbeo.com,  revealed that the Philippines is the 5th  in the list of countries with the worst traffic in the world.   Long hours of traffic  results to stress, longer exposure to air pollution(for those taking the bus or jeepney) and lack of sleep (to beat the traffic the following working day, you even have to wake way too early).

 

The good news is that there is an alternative to travelling to office.  We now have the Point to Point Buses  which the Department of Transportation  has made available earlier this year to make travelling by bus ,easier, more economical and faster (non-stop).  Price ranges from P30 to P70 per passenger, one way.   What is wonderful about the P2P bus is that there is a schedule of departure (you can plan your trip) starting in the morning thru evening at regular intervals and  buses are new and air-conditioned (more relaxing).

 

Definitely, P2P is one way to relieve one’s stress,  free up one’s cashflow and beat the horrific Metro Manila traffic . Johnny, who lives in Alabang, spends P16T a month using his car to travel to Makati (this covers gas, toll and parking fee).  But  If Johnny shifts to P2P, he gets to spend only P5,600 to travel to work with his wife, or a savings of almost P11T per month!

Combining  the savings Johnny can have from choosing what he eats and  a wiser travel plan for lesser stress, he gets to have an annual savings of P197T!

3

 

This annual savings can now be channeled towards building  his health fund and pursuing his other dreams (education for his child, down payment for house, travel and medical needs).  By simply choosing to live a healthy lifestyle, Johnny can  start creating the future he wants for his family!

 

 

4

 

TIP # 3  CHOOSE THE RIGHT ASSOCIATES

 

In your journey to a life that is healthier, less stressful and ultimately  happier , choose  the right people.   Be with people who can inspire and  encourage you in your new lifestyle.   Be with people who are likeminded and are proud of what you do!

SAVE BY BEING HEALTHY TODAY!

 

13987131_10210147068212993_126906053_o

 

About The Author

Lourdes Ravelo is a seasoned banker, a Registered Financial Planner, and a senior advisor of one of the top insurance companies.

She used to specialize in promoting loans as financial solutions to customers. In contrast to that, today, she is an advocate for helping families to become wealthy by teaching them how to save and invest.

For Lourdes, financial education is a MUST if we want to be wealthy.

 

wait

 

Watch out for her upcoming FREE E-book, “30 Wealth Thoughts That Guide My Way”. Launching soon!

References

  1. Definition of Health: http://www.who.int/about/definition/en/print.html
  2. CNN: http://cnnphilippines.com/lifestyle/2015/09/23/Filipinos-top-causes-of-stress-job-traffic-money.html
  3. Survey: http://www.gmanetwork.com/news/story/536203/lifestyle/healthandwellness/stress-pollution-fatigue-how-traffic-jams-affect-your-health
  4. P2P Buses:http://www.spot.ph/newsfeatures/the-latest-news-features/66962/guide-p2p-buses-a00171-20160707-lfrm

Leave a Comment

Filed under Financial Change, Financial Coach, Financial Coaching

Leave a Reply