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    RUTHXG   44,804
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Shrinking in the new year


Saturday, January 05, 2013

Happy new year & merry 12th day of Christmas! (Or 11th? I always thought January 6 [tomorrow] was the 12th day, but when I count starting with December 25, today is the 12th. Must investigate this!)

My main 2013 goal is shrinkage! I don't wish to have a smaller life or to take up less psychic space in the world, but I need to shrink my body a bit to get back to feeling like myself, & I also need to shrink debt. Here are the steps I'm taking.

I'm going to return to my travel-savings reward system, updating it to address my current concerns. I'll put $25 into vacation savings each week if I've accomplished these three things:
1. exercise 150 minutes/week
2. eat within recommended calorie range that week (or shrink on the scale!)
3. do something proactive to reduce debt--e.g., make good progress on a freelance project, refrain from eating out

Comments:

1. I'll favor the 28-Day Bootcamp & (just ordered) Total Body Sculpting routines, as they combine cardio, ST, & balance & really burn calories. I'll do one of those at least twice a week, alternating with outdoor fast walking or indoor Leslie Sansone routines (which I beef up by including jogging intervals if they're not already included).

2. I'm going to nest an extra motivator within this goal: I find tracking very time-consuming, especially because housemate & I cook from scratch & don't always follow recipes. Plus I already know the calorie content of most of the foods that I eat on a regular basis. BUT I need to track to get myself back on track. emoticon So after a couple of weeks, as long as I'm continuing to lose weight & bodyfat, I'll get a break from tracking. But any week that weight or bodyfat increases, I go back to tracking.

3. I have joined SparkGuy's Savings Jar Club, & earlier this week I put together a budget. It's hard to quantify paying off debt on a weekly basis, as I am paid monthly at my full-time job & thus make credit-card payments monthly rather than weekly. And my freelance jobs ebb & flow, & so does the promptness of payment (e.g., I'm still waiting for payment of an invoice I sent out Nov. 15!--it's a long-term client, a university, so I know I'll get paid eventually). That's why I have left this goal open-ended--it will serve to remind me of other ways I can increase savings & reduce debt. I will carry a notebook & log everything I spend day to day, & I'll periodically compare my budget to actual income & spending to make sure I'm on track. This year I intend to go out to eat even less, but invite friends over for dinner more often--that will save $$ but increase festivity!

Ideas are welcome!
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Member Comments About This Blog Post:
4LEEFCLOVER 1/10/2013 2:28PM

    Great ways to blend your goals together - the budget and the food/exercise. You'll do well as you keep your goals in view through the year.

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MTULLY 1/9/2013 1:27AM

    You are a woman with a positive attitude and a detailed plan. Sounds like a winning combination to me. Great way to start the new year!

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EYES_ON_THEPRAZ 1/7/2013 6:26PM

    Happy new year! Love how you tie your financial and health goals together. that is awesome!

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BEATLETOT 1/5/2013 8:11PM

    Ruth, you are such a smartie! I need to come see you soon. I am having a bit of a hard time adjusting right now, so hanging out would be really nice.

I set up a Success Tracker spreadsheet for my goals. I'm doing okay with it, though yesterday and today haven't been great...I've been taking on a lot of extra part-time job hours, so I run out of time on weekends to do the things I should be doing. But I'm making money, which helps shrink my debt (also on my goal list)!

I can't wait to see how 2013 turns out for us both. =)

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BABY_GIRL69 1/5/2013 5:35PM

    emoticon emoticon emoticon emoticon emoticon God bless, Dee

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-AMANDA79- 1/5/2013 1:41PM

    I read Dave Ramsey's Total Money Makeover in October and it was a real eye opener! You might give it a look.

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KAREN_NY 1/5/2013 12:43PM

    Love the idea of going out less but having company come over more! Actually sounds more fun!

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btw - I celebrate the 12 days of Christmas too (because it's much better than just one day!), and the count depends on your church history. We consider tonight the 12th Night, and tomorrow the Epiphany.


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CJJANISS 1/5/2013 12:11PM

    emoticon

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SHANSHE 1/5/2013 12:09PM

    Your goals for this year sound great and actually doable!!! It was great to hear from you!!!
Hugs,
Shan

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