Weight Loss Tips That Fatten Your Wallet
Weight Loss Tips That Fatten Your Wallet
Lose kilograms and gain thousands of dollars!
Two of the most common New Year’s Resolutions are ‘I’m going to lose weight’ and ‘I’m going to save money’. Chances are that one of those, probably both, were on your wish list too. There are a few simple ways to help you achieve both. You think it costs more to lose weight? I can promise to fatten your wallet while you get healthier and you won’t even think you are on weight control program.
Now that we’re nearly through 2014, it’s time to take a look back through your year. Do you have money in the bank? Are you at your goal weight yet? No? Well, try these strategies to get you closer to both by the end of next year.
Reduce or break the coffee habit
OK, I admit it! I was one of the hundreds of thousands, probably millions, to stop by my favourite coffee shoppe daily before work. And don’t tell my husband… but I may have visited there up to three times a day. Hey, they had great coffee! Now confess, by a hands up, if you find yourself clutching a cardboard cup of caffeine at least once a day. You pick one up in the morning on the way to the office, or dole out your $5 when a colleague announces a “coffee run”.
Now let me give you 1200 reasons to cut out at least one bought coffee a day. Or, if you like, 1274 reasons to think twice! If you like iced coffee at any coffee bar this could be 1720 reasons! Are you perking up now? 🙂
5 large coffees per week x 48 weeks = 240 coffees x $5.00 = $1200.
There are 687 kilojoules (kj) in a small latte (whole milk, two sugars or a flavour) and 6.8g fat. A kilojoule is a unit of energy and Australian nutrition guidelines recommend a woman limit her kj intake to around 6000-7000 kj a day for weight loss. So one small coffee can provide around 10 percent of your kj count for the day! And, really, who has just one?
Saving more than $1200 a year, if you cut out one coffee a day, is massive for your wallet. And what about if you grab the muffin, banana bread, friand or donut 3-4 times a week? Cost wise you will be saving another $1000 plus! You could afford a holiday! That is over $2200…a return overseas airline ticket, redecorate your living room, get a home gym or buy a new computer.
Don’t forget the 1274 kj., if the walk to get your daily coffee is your only exercise of the day, substitute! Get off the train or bus one stop early, walk up the stairs back to your desk, instead of taking the lift. Your thighs and butt will thank you.
Extra bonus: the “coffee run” is to 2014 what the “smoko” was to the late 20th century: a big time-waster! Cutting out your coffee run means less time lost, which makes you a more productive employee or boss — which puts you at the front of getting your priorities done and less extra work hours; giving you more ‘fun time’.
As for your nibble with your coffee
When you’re standing at an espresso bar or in a café waiting for your caffeine hit, it’s easy to be seduced by the “accessories” on display. A small friend, a sliver of brownie, a tiny chocolate … it won’t hurt, right? Wrong. That sweet treat is costing you. Even if you only succumb three times a week, those friends will cost you $576+ a year. And let’s not forget the kj count: try an average of 1500 kj!, which brings your coffee break up to nearly 2775kj. That is more than 1/4th of your daily intake in two items. You don’t really need it, do you? So put your coffee & snack money in a jar for a year and buy a new wardrobe for your trim, toned and taut size.
$4 x 3 days x 48 weeks = $576 or if you do it five times a week we are talking $960 a year
Now your lunch…
One secret that healthy eaters share is a good supply of healthy food on hand at all times. This means bringing your own lunch, instead of relying on finding something nutritious at a fast-food outlet near you. A sandwich and a piece of fruit from home have two advantages: a) you know exactly what’s on those sandwiches, so no hidden surprises, and b) you’re not spending an average of $10 a day. Even if you only manage it three times a week, you’ll still save $1440 a year — and untold kilojoules. If you eat out every work day (5), averaging $10 a day, that is $2400 a year (48 weeks). Consider putting than money in your superfund or adding it to your mortgage.
How about dinner…
Healthy eaters are clever shoppers. Stocking up at the supermarket once a week on fresh fruit and vegies, lean cuts of meat and nutritious snacks is a good start on the “thin and rich” philosophy. With healthy dinners on hand, you won’t be relying on high-fat, high kilo-joules and low nutrition takeaways when you come home tired and hungry, saving you at least $15 a meal and kilojoules by the bucket load. One green chicken curry, for instance, contains 572 kj and 8.9 grams of fat per 100 grams, according to the Food Standards of Australia and New Zealand. That quickly adds up when you consider a standard takeaway serving size is triple that size at least.
Saving yourself $1560 a year, assuming two takeaway meals a week.
Come on! How much are you loving these weight loss tips that fatten your wallet?
Choose life (insurance)
Losing weight helps you to lower cholesterol and blood pressure, reduce your risk for heart disease, diabetes and stroke. These are all factors taken into consideration when calculating the premium for any life insurance you may take out, particularly if a medical examination is required. Whether you need an examination is dependent on how much and which cover you choose; and factors such as age, smoking status and health. The younger and healthier you are when you begin, the lower your premiums.
If you smoke….Give it up!
Give up the cigarettes as well — smokers will always pay more for insurance and health costs. An average 20 pack of cigarettes is around $17. If you smoke a pack a day for 364 days of the year… that is a cost of $6,188!
Get a new job
Wellness is the new buzzword at work, and if your company is not on the bandwagon, it could be costing you money and affecting your health. In the US, more than 60 percent of employers offer financial incentives to employees who engage in healthy behaviour. At some companies, employees earn bonuses of up to $200 a month if they complete a health screening, meet set criteria for cholesterol, blood pressure and BMI, and don’t smoke.
Companies in Australia are also taking proactive steps. The Australian Information Industry Association, for example, reports on its website that ‘Employee wellness programs have also gained popularity among ICT organisations as an alternative to greater levels of salary spending. Wellness programs often include the provision of onsite health and fitness programs, yoga classes, bowls filled with fruit, onsite health checks and health education seminars.”
Your boss is bringing health and weight loss to your door, supplying motivation and saving you the gym membership or $20 yoga class you’d otherwise be paying; as well as savings in travel and time. Want to know where you should be working? The companies that make the annual Hewitt Best employers in Australia and New Zealand list know that happy employees are productive employees and that improves their profit line.
Corporate wellness programs as part of your perks package can be a whopping $2400 a year that you don’t pay for!
All up… you will have lost a minimum of 10-15 kilograms and fattened your wallet by…wait for it…$7120! If you add smoking in there that would be a total of $13,308. Now add in the workplace wellness package and $15,708 in one year!
NOW That is food for thought! And it cost you nothing!
By Connie Gersteling, Essentials In Life Wellness Centre