Healthy Wealthy & Wise

Healthy Wealthy & Wise

The famous quote by Benjamin Franklin “early to bed early to rise makes a man healthy, wealthy, and wise” is timeless advice. In the hectic world of information overload it’s difficult to stay on track to eat and live a healthy lifestyle, spend and save our money prudently, and make wise decisions that affect our lives with minimal risk. Henceforth, the organization Healthy-Wealthy-Wise was hatched to bring under one umbrella information and recommendations that may enhance our lives that impacts health, wealth, and wise decisions.

Eating Healthy and Wallet Friendly

Exercising can be cheap, but eating healthy foods is not. You can run, swim, and ride a bike on daily basis without spending any money at all unless you have to purchase all the needed gears. Even when you do buy them, you can use the gears for long-term basis. On the other hand, healthy foods are nowadays the more expensive lifestyle for fruits, vegetables, lean meats, beans, and health-friendly ingredients cost more to produce. With the right management, however, you can enjoy healthy foods and lifestyle without breaking the bank. Here are some tips to follow.

Save the leftovers

The average family with two kids or more waste more than $60 worth of foods every month because they actually buy more than they can eat. Once again, this is probably related to shopping-when-hungry problem. Now that you have a shopping list, you can prevent yourself from buying foods or cooking meals more than you need. If you do have leftovers, freeze them using storage bags and boxes. Leftovers from evening meals are common, but you don’t always have to throw them away. Frozen leftovers are still good for the next day’s lunch as long as you store them properly under a temperature of 5°C in airtight container. Use leftovers within two days and always reheat to reach steaming hot temperature. Do not reheat foods more than once.

Frozen vegetables and fruits

Fresh varieties of vegetables and fruits are best, but frozen ones are just as good yet underrated. As long as you don’t purchase canned varieties with added salt, sugar, or fat, they are healthy alternatives to their more expensive organic fresh counterparts. Frozen fruits and vegetables are pre-chopped and ready to eat, making things easier and quicker. When preparing the frozen foods, chances are you don’t use all of them at once; the trick is to take them out of the fridge and immediately put them back in after you take the amount you need.

Eat less

Eating smaller portion in every meal time helps you save money and reduce calorie intake. It is healthy for your wallet and your waistline too. Say no to second helping and try to use smaller plate. Human brain goes by physical cues; eating from a smaller plate full of foods is more satisfying that eating from a larger plate containing the same amount of foods. You may want to consider trimming down on the non-essentials such as snack bars, cakes, and fizzy drinks. Such foods may contain a lot of salts, so go for healthier cheaper alternatives like plain yogurt and water.

Wealth Management

There’s an old saying in golf that says, “it’s not how good your best shots are That matters, it’s how bad your worst shots are.” The point is that you can make great shots, but if your bad shots are too bad, you’ll still be a bad golfer. This holds true for investing and wealth management too. You can make 10-15% per year, but if you lose 50% in one year, all those gains are for nothing. Therefore, wealth management is first about protecting assets. Wealthy people don’t need to make 15% per year, they just need to make 5% or so per year and know that they won’t lose 50% one year. It’s only those without assets who attempt to make outsized gains in order to accumulate wealth. As always, high rewards require high risk. This is a trap which keeps many investors poor their whole life, much like gamblers hoping for that one big “score.” Instead, easy does it wins the day. Even if starting with a small amount of money, if you have time, you can turn that money into a sizeable nest egg over time. Far too many people believe real estate can never go down, this kind of blind faith will always cost you, sooner or later. The wealthy have sizeable assets which can earn a good return, even at 4-5%, and with very little risk. When you have much, your main concern is keeping it, not doubling it. All investors should consider balancing their assets among 3 or 4 asset classes equally instead of one or two classes, as too many do. For some people, this is a strange concept, due to being told their home will always be their largest asset, so they mistakenly believe it SHOULD BE their largest asset. This is false, and in fact, the truly wealthy never have a home as their largest asset, or even 2nd largest asset. There is much to learn from this simple example.

Wise Tips for Using Coupons at the Grocery Store

Some still do this, but the age of the computer and retail marketing has upped the bar to getting those coupons we all want. The majority of people using coupons use them at the grocery store. This is one of many places to use them. Checking out your local newspaper for clip out ads is still a source for getting them. Now days, log onto the company’s website to print out the weekly ads. Sign up for the store’s coupon rewards card. Safeway for example, uses this card to automatically debit your bill for the current sale items. The items are labeled with a yellow sticker showing you what is on sale and how much you will save, simply choose these and at check-out watch the savings add up. Another savvy way to get the coupons we all want is to sign up for websites especially for finding national coupons on all products. Sites like, Coupons.com, SmartSource.com, PGESaver.com, and Upromise, are all great websites devoted to helping you save money. Some have reported saving up to 50% on their weekly grocery bill on using these coupons alone. If you have a rewards card with a store like Walgreens, for example, when you check out they hand you these pre-printed out coupons based on your shopping needs and how much you spend at the store. Do not discard these, they are like liquid gold. By throwing them away, you could be missing out on coupons that give you up to $20 off your next purchase. If you don’t have a loyalty card, get one and use the benefits you deserve. Before you go retail shopping, go online to the retailer’s website and look for current sales. Shop for coupon co des online, you would be surprised to find hidden savings just waiting for you to use. Sign up for the retail stores email lists; they will send you the latest sales that are going on. Sign up, print and save. A wise way to stay organized with all of your coupons is to have an organizer to neatly separate by store or date. This will make it easier for you to find what you need when you need it. Start saving today and feel good that you are a savvy shopper. Check out more information at Frugal Soldier a website that is packed full of resourceful information on how to save money.  .

 

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