Fitness Articles

Whittle Your Waist, Fatten Your Wallet

5 Goal-Setting Tips for Fitness and Finances

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Are you a genius at budgeting your finances but fall apart when it comes to setting aside time to work out (or vice versa)? Don't worry: Staying physically fit and managing a personal bank account actually have very distinct similarities. They're so similar, in fact, that you can easily use your skills from one area to boost your results in the other. Here are some simple tips to help you manage both your wallet and your waistline!
1. Financial Fit Tip: Plan for the big stuff. When you go on vacation, you don't just wake up one morning and decide to shell out thousands of dollars for last-minute flights and hotels, and you don't leave your co-workers unprepared for your absence. You plan. Planning your big expenditures ahead of time will save you serious dough. Whether it's a car, a vacation, or a home remodeling project, sock away money each month in an account set aside for that specific splurge. A couple hundred dollars set aside over the course of a year has much less impact than a couple of thousand does at the last minute.
Apply it to Physical Fitness: Just like you wouldn't go on a vacation at the last minute, you wouldn't wake up one morning and decide to run a marathon, either. If you're new to the exercise arena, take it slow when it comes to working out, and work up to greater challenges. You're more likely to avoid injuries and burnout if you ease into exercise. If distance running is your goal, find an online training plan that will help you build up gradually to your desired race length. If you want to do 20 push-ups or lose 100 pounds, start with five and go from there.
2. Financial Fit Tip: Make small changes for a big difference. A $3 coffee here, a $5 lottery tickets there--it's easy to brush off small expenses as purchases that don't really make a difference to your bottom line. But that $3 coffee several times a week comes close to $40 a month, which is enough to cover a full tank of gas for many drivers. See where your money goes on smaller purchases and decide which expenses you can nix that have little emotional impact--but big financial gains.
Apply it to Physical Fitness: Many people feel that working out isn't worth their time if they can't get to a gym for a solid hour. But it's time to rethink that mentality! According to the Centers for Disease Control and Prevention, exercising for 10 minutes at a time still counts toward your weekly goal of 150 minutes of activity. So take that short walk to the post office, or climb the stairs at work instead of taking the elevator. The little things do matter and add up to something bigger!
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About The Author

Erin Whitehead Erin Whitehead
is a health and fitness enthusiast who co-founded the popular website and co-wrote The Fit Bottomed Girls Anti-Diet book (available May 2014). Now busier than ever with two kids, she writes about healthy pregnancy and parenting at

Member Comments

  • I wish one tank of gas was $40. My rent just increased, BC Hydro did another rate hike and groceries just went up again - which I think is now around 40% increase in one year. Yeah I will put finances with physical fitness - can't do it. Since that's not the message I want, I will continue to walk, no gym (we only have one and it's VERY EXPENSIVE), and as for my finances, I will hope that one day things will work out - as right now I can't breathe. I wonder how long I can hold my breath for.........hmmmm
    ............ - 4/6/2016 9:04:06 PM
  • ROESBUD1019
    Great article. Puts exercise in a new light for me! - 1/30/2016 9:30:10 AM
  • I, too, am doing a bit better financially than I am with eating. I could use help understanding how to follow the meal plans without wasting food. (I am alone, and the variety of foods needed to enjoy the meals seems very wasteful......may
    be something like nutrisystem would work??) - 8/29/2014 8:22:08 AM
  • I liked this article. Fitness and Finance goes hand in hand. Both need to be addressed and too often both get put on the back burner.
    I have an unique way to save extra. I shop at thrift stores, for every 20.00 I spend, save 5.00 for savings. For every pound I gain during a week, even if I lose it later that week, I match it dollar for pound. I also save a dollar for every day here on Spark. Plus the pounds I lost to reach goal in dollars. I was going to use to buy new clothes. No need. have plenty. Now I just save, maybe a cruise, or maybe add to my retirement fund.
    I exercise everyday. I pay into the fund if I miss a day or don't get in my steps.
    - 4/24/2014 9:50:51 AM
  • I liked this article...thank you! - 3/13/2014 12:43:37 PM
    Good advice to use. - 6/9/2013 11:27:16 AM
  • This was right on target for me. I feel I manage my finances very well and I never thought of drawing a parallel to managing my fitness! I've made a sticky note to remind me to apply the financial skills to my fitness efforts. - 3/8/2013 8:02:22 PM
    I like the comparisons, I want to save an extra $200 this month so I should compare it to cutting out an extra 200 calories from my diet or doing two extra workout than normal. I got these new DVD's called "The Firm" and I like the 20 minute workouts - I figure twice a day twenty minutes each and I've got it licked! - 3/6/2013 2:13:02 PM
  • Good solid advice. There are things in life that are actually simpler than we make them out to be. I often jump on the scale and think, "How did I just gain 3 pounds?!" when I know that I haven't been tracking and I have been doing extra snacking. Things creep up on you. - 3/6/2013 8:59:58 AM
  • 266266
    Spot on!! I never thought of it all that way ,but it makes good sense. - 3/6/2013 6:31:53 AM
  • I suggest folks look at You Need a Budget (YNAB) - a computer application that significantly improved my financial planning.

    Similar to the suggestions above, YNAB has four rules:

    1. Give every dollar a job
    2. Save for a rainy day
    3. Roll with the punches
    4. Live on last month's income

    The program is designed to help you use these rules to get control of your finances. I think it is fun to use and there is a great community of people at YNAB that share a similar passion as SparkPeople. - 12/18/2012 1:23:53 PM
  • JULIE700
    That was excellent advice that I needed right now! - 12/18/2012 10:50:01 AM

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