September 19, 2008, 6:00 am

Saving and Working-out

by: The Financial Blogger    Category: Uncategorized
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Have you ever been in a gym? If you did, you probably notice that muscle guy or hot chick doing their training session. They seem perfectly in control and it looks so easy for them. All the movements are right and the synchronization is perfect. They are in top shape! Have you ever taken a walk in a prestigious neighborhood?

You probably notice that rich kid or the retiree golfing in their backyard. They seem to be in their bubble and driving a Porche has never felt so natural for them. Their wallet is in to shape!

Based on this premise, I realized that saving money and working-out has several things in common. At one point, a combination of both actions might even become a miraculous solution.

It is hard to start and definitely annoying

Beside the exception, most people hate not spending money and hate even more going on a treadmill! We all wish to have more money in our pocket and we also all wish to have a perfect body (or at least losing the beer belly!). The problem is that we need to convince ourselves that saving and working-out is better over the long run.

Both produce long term result

Have you ever try going to the gym 5 times in a week and then stop? Well if you ever do it, your effort won’t even produce result for a week! It’s the same thing for saving. If you don’t systematically save money, your effort will shortly be annihilated by the first unexpected expense. However, it seems that the power of compounding interest applies not only to your investments but also to your shape! If you grow your muscles, they will burn calories for you when you sleep. If you grow your investment portfolio, it will produce income when you sleep!

It requires effort, time and consistency

The only key to be successful both with your finance and your body is to put in efforts, time and consistency in your routine. By doing your lunch every day and making your own coffee instead of buying a latte, you will probably save $5000 in a year. By going to the gym 3 times a week, for an hour and a half, you will certainly loose weight and look better. Stop thinking about it and start acting!

The more you do it, the more you get rid of your old habit

I noticed that after what I call the “painful period”, you actually start enjoying saving money or working out and your urge to spend money or to eat ice cream with chocolate bar piece inside slows down. After a while, you don’t even think about it.

It’s also easy to forget and let go

Once you mastered your envy, you may think that you are out of trouble. YOU ARE NOT! Spending and eating out are like gambling problems. You are a spender until the very last day of your life. This is why it is so important to fix goal and to keep up your good habits.

Tomorrow, I’m going back to the gym and I am starting to become frugal again!

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That’s a great analogy.

I would add one more to your list- it’s easy to be intimidated by others. One thing I have always hated about the gym are the gym rats who hang out and pump big weight while I wander around like a lost and scared child. It can be intimidating and uncomfortable. Trying to improve your finances is the same way- you can look around and see succesful people (especially on personal finance blogs) and think “I must look like an idiot”, or “I’ll never be that good”. And that can be discouraging.

I would add that you shouldn’t start by trying to go into the gym and benching 500#’s. If you’ve never saved a penny before, don’t try to max out your 401K this year. Start with $50/month or $100/month. Ease into it… don’t get burned out.

by: TKO from Ontario | September 19th, 2008 (11:39 am)


Awesome post FB, always relevant and on time. Isn’t it amazing how physical and financial performance both require effort to get started, but once you get going it becomes a habit that seems so natural. It appears that laws of physics applies to both, ‘bodies in motion stay in motion and bodies at rest stay at rest’.

Saying that you work hard at either isn’t enough though, tracking progress is essential for success. Start tracking expenses, workouts and what you eat. Treadmills suck! They’re for hamsters, rats and fat people that don’t know any better; good for hanging stuff in the basement though. Do you know anybody who got in shape by only walking/running on a treadmill? Still don’t believe me, check your local cardio room, they are filled to the brim with chubsters.

There’s has to be some co-relation between the physical and financial shape of Canadians. Take the store Old Navy as an example, it’s like Gap but for fat people? I’m not talking a little overweight, I’m talking people with some serious weight issues, really fat. My family went shopping there last Sunday for a Halloween costume for our little girl and as we stood in a long line of people since only two cashiers were open, I was really saddened by the rampant obesity of Canadians both young and old. I’m no Slim Jim either, rather a stocky 200 lbs 6 footer. This was our first shopping trip for clothes since the baby was born, last December. I always thought that the shoppers I see at Walmart when buying baby diapers, were fatter than the general public, but this was even worse. When did Canada get so fat?

Cheers to your and your readers Health and Wealth,

TKO from Ontario

by: The Financial Blogger | September 19th, 2008 (9:03 pm)

I would say that sometimes, there are some cute chicks too 😉 Being top shape or making money can get them to you 😉 hehehe!

You are damn right, great advice!

“Treadmills suck! They’re for hamsters, rats and fat people that don’t know any better; good for hanging stuff in the basement though.”

Hi, I totally agree with this. Great post 😉

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