FINANCIAL FITNESS: Seven Nuggets of Wisdom

It was 2005 when I had the realization that I should take charge of my finances.
I was already working for quite some time, but didn’t have any savings.

A friend of mine shared his favorite book, “The Richest Man in Babylon” and at the same time, my brother was trying to influence me into taking a look into my financial status.

Since then, I was able to get a grip on things, slowly paying off my personal credit card debts and invested in some Retail Treasury Bonds (RTB), Time Deposits (TD) and the some Blue Chips in the Stock Market.

Back then, I was challenged as a single mom, trying to get back on track.
Years after the realization, I was able to make the change and had my own share of learnings along the way. These are things one would read in books, but for sure, these had helped me out a lot.

Sharing the Seven Nuggets of Wisdom that had helped me out during those times.

1. It’s all in the mind. 

Wealth is a mind game.

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Unless your parents are already millionaires and tycoons, almost everyone starts from scratch, zero, nada.  A more specific case is that if one is deeply in debt, relying on credit cards to live and funds coming in is not enough, having allocation for savings is the least of your priorities.
If you could relate to this scenario, don’t despair ~ I was in that exact situation 10 years ago.
Know that, as long as you have working income, you can convert that into passive income, IF YOU DECIDE. Be with positive, like-minded individuals. Develop a goal, device a plan and track your progress. What the mind can conceive, it can definitely achieve.

2. Develop the habit of saving. 

 Give yourself  10% no matter how small or big. It’s the habit, not the cost.

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 Be it Php 100 a month, Php 1,000 or even Php 10,000, it doesn’t really matter as long as you start on in. Remember, Rome was not built in a day.

3. Learn to find beauty in simplicity.
Simplify your life. Turn of the television, do picnics with the kids, run in the park and have mini picnics. Your kids will thank you more for it. Time spent with family is what makes childhood memories more special and memorable.
Do bike commutes,get on you bike and reduce your carbon footprint. Enjoy every moment of movement and the zen feeling of just breezing through traffic with just you and your bike.

4. Manage your wealth. 
Being stewards of wealth, we are gauged by how we manage what we have.
If we know how to manage the small stuff, we can then be trusted with the bigger stuff.

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Know how to minimize your extra expenses and determine the thin line between wants and needs. If you must, buy more assets that liabilities. Being a good money manager is the sure fire way to financial freedom

5. Make your money grow. 
It is not how much you earn but what you do with the money coming in.
Learn about your options with different investment vehicles: business, stocks, real estate, time deposits, etc. Expand your knowledge base and take calculated risks.

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Be open to opportunities for your money to grow – broaden your network and meet new people.
Who knows, your next business deal would probably come from that person you met in the gym!

6. Know there is joy in giving.
You might not feel that there is anything to give, but, looking at nugget #1, If you keep on telling yourself you have nothing, then your physical reality would prove your right.
As stewards, it is our duty also to share what we have.

Let us all learn from the majestic tress. They give that they may live.
When you prune a branch or pick a fruit, nature makes sure that it grows back after a time. The law of nature shows that the more you give, the more you grow.

7. Have fun in our way to financial freedom.

These simple things surprisingly makes a big difference to help you reach your financial fitness goals. Try it out and share what your nuggets of wisdom are!

15 Ways to Motivate Yourself to Fitness – Part 2

As promised, here are the remaining items on the list..

     6.    Magazines
Reading fitness magazines and looking at possible workout moves motivate me. 
Yes I am aware that most are perfected by photoshop and some are probably genetic freaks, but being a visual person, fitness models and their workouts motivate me to work harder. 
Fitness mags for PinayFitness geeks.

Besides, cut outs are a good addition to one’s Vision Board (hmm.. might do an article on that one time)

     7.    Blogs
I know that reading blogs inspire me. This is the same reason why I decided to bring back the habit of writing in my blog. It gives me accountability to my readers and who knows, I might be inspiring other people with my PinayFitness Journey too.
Until I have figured out the “subscribe” button, please feel free to visit my blog anytime. lol.

     8.    Success Stories
If a fitness website has success stories, for sure I will go back and read inspirational stories. Showing the ups and downs they go through is such a learning experience.

     9.    Instagram
Those catchy memes in Instagram really helps me in getting back on track. I usually download them and make them my wallpaper or share in the PinayFitness Facebook Page.

     10.  Forums and Facebook Groups
Talking about one’s fitness concerns and sharing ideas in a group full of like minded people would definitely help your fitness goals. Check in daily. 
Interact and post : PinayFitness Facebook Page

Post and interact. It really helps. Be part of the PinayFitness Facebook Group and share your thoughts on fitness too!

     11. Rewards
If you exercise for a few days, give yourself a reward! Progressed to a week? Add another reward. Do it often during the start of you “Balik Alindog” Program.
Stickers and pretty stuffs are my rewards. How about you?

In my case, my “rewards” are stickers. I am a member of a planner community & it gives me pleasure to put stickers in my monthly planner, knowing that I got it done. Weird, but that’s how I roll.


     12. Stress Reliever
Work. Home stuff. Life in general. Yup. All stress producer. Exercise = stress relief.
I also use exercise to regenerate and refresh myself as a form of rest.

13. An exercise log / graph
Writing it down makes a whole world of difference. Monitoring your progress in you planner, writing what you ate, how many glasses of water you took in (hydration is very important!), you body weight and tape measurement – then graph it at the end of the week for four weeks. You’d be pleasantly surprised once the month ends.
Graphing my one month progress was a great motivation for me!

14.  An exercise class

Golds’ Gym Bootcamp, Cardio Martial Arts, Yoga. These are my favourite combination. I have fun working out with my kiddos, laughing at each others moves during the class, and eventually putting in that workout for the day. Invite your friends to join you for a class and for sure, you’ll be motivated to go there and workout.

     15. A day at the beach or a Class Reunion.
Yep. You know how that feels.
Last December trip. Good thing I was beach ready!



So how about you? How do you motivate yourself?

15 Ways to Motivate Yourself to Fitness – Part 1

MOTIVATION

 a ten letter word that is so hard to keep up. If this specific word has a gender, it probably is a lady that is super high maintenance.
 
We all can relate to writing resolutions at the start of the year and planing to work out – actively tackling it on the next few days, only to stop after a week or so, then trash it all and go back to the same old rut. It is the second month of the New Year, so how are we with our goals and plans?
 
But, how does a regular pinay with lots of things in her plate, find motivation to exercise when you feel that just thinking about it makes you tired already? I ask myself this million peso question every now and then, and I know that I’m not the only one.
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Yes I have days when I struggle with putting in a workout in my schedule. I know that I should start making it a habit until it is part of my PinayFitness Routine, but the “M” word  is needed until the habit sticks and that, is where the challenge begins.
Recently however, I felt so happy because after lots of failed tries,  I was able to actually work on my goal – I was able to find motivation that was needed to make the habit stick. 
In this post, I am sharing what I did differently and what had helped get back on track.
 
The happiest loss of all. Loss of excess body fat.

Feel free to see if you can make some of these ideas “your own” so you can start working on your fitness goals..


     1.    Your before picture.
The past months have been really telling that I haven’t been exercising. The picture below shows how, from a fit 2014 me, I was transformed to a fatter version of myself.
My kids usually comment on how I gained weight and had been teasing me a lot about it  and that motivated me to do something before it goes awry – making it hard for me to get back.
 
     2.    Me Time.
Capturing the moment. My youngest kiddo and her “me-time” on the treadmill.
I enjoy spending time alone a lot. A time to think about things in my own personal quiet time. As a mom, a sister, a daughter and a wife, we usually take time taking care of others  but we don’t make time to take care of ourselves. Prioritize your “me time”, don’t miss your own workout appointment, so that you can give more to others.
 
     3.    How you feel after a workout
I know the feeling of dread before working out. “Oh no, do I need to work out again?” We sometimes hear ourselves complain. All possible excuses comes to mind once you decide to workout.  Interestingly however, during a workout, the adrenalin and endorphins kick in, that after a workout, it beats having an espresso shot!
Post Cardio Martial Arts Endorphin high with my daughters
and  Miss Universe / Philippines’ trainer John Cuay.
Store that feeling in your memory bank. Put that in your “happy place” and know that how you would feel afterwards would be a great motivator for your fitness goals. Tell yourself “You know you’re gonna have a blast and feel great after this workout  [INSERT NAME HERE], so let’s do it!
 
     4.    Having fun
Find a workout that’s fun for you. 
I love biking. I love the feel of air in my face (provided that I’m not navigating C5’s  and EDSA’s pollution filled road), I love pedalling through the streets of the metro and racing jeepneys and cars (in my mind hahaha). I love it so much that time just flies – 30 mins to an hour is over without me noticing it. 
Make it FUN.
Find an exercise that’s spells F-U-N for you. If it isn’t, look for one. It might be running, or having an outdoor adventure, as long as you’re moving, it’s all good. I also love lifting weights (no, it does not make you bulk up like She Hulk), so I spend some time lifting in the gym too.
Yes, this is FUN for me.. You have to figure out what’s FUN for you!
5.    How you’re going to look.
I have teens that love clothes shopping. 
Often times, we’d dress up and check out stuffs in the mall and they’d comment if it looks good or, if fat and flabs showImagine how consistent workout would let you buying the nice clothes that fits – Imagine how a fitter slimmer you can motivate. 
Imagine and let that visualization drive you. 
This was a recent photo after resolving to do something about it.
If 2015 was a not so physically good year, I will do my best to make 2016 better.

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Once the changes start taking effect and unknowingly, someone notices it, it feels good and it makes you want to work out more.