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2013 the year for health and wealth

I know what you are thinking and let me start out by saying, no this is not a resolution blog. I don’t believe in resolutions, what I do believe in however is goal setting and every New Year’s we sit down as a family and look over the last year, discuss what worked, what didn’t, what we accomplished and what we wish we had. We then discuss and decide what we want to do in the new year and we set new goals for ourselves as individuals and of course as a family.

What Chris and I realized is that we didn’t quite get where we wanted to be on last year’s goals and there is a very good reason why – we lost focus and got distracted. Our goal last year was to finish the patio (which we did) and pay down our consumer debt which is sitting at about 1/2 of our annual net income – not unmanageable but definitely too much and for us to reach our ultimate retirement goal of retiring millionaires at the age of 60, we definitely need to get rid of it and start investing those payments within the next 2 years. That was our goal but in retrospect, we didn’t follow the right steps from the beginning – we didn’t post our goals like I suggest to clients, we didn’t revisit them weekly, we didn’t break them down into small steps and most importantly, we didn’t set an actual specific goal – we just said ‘pay down debt’ – no number and that was a big mistake because technically we did – but we didn’t get where we wanted because we never specifically said where that was. Have I lost you yet?

So this year, we won’t be making the same mistake – we have a goal, as specific goal and we will be reducing our consumer debt load by 1/2. A specific number, with a specific monthly goal attached to it. I am blogging about our goals because sharing them is a huge way of ensuring success, I have papered our place with the theme ‘Health and Wealth’ in order to keep it in front of us daily and we have made a few changes to our lifestyle that will accommodate these savings. our problem isn’t income, it is spending so by managing our expenses and sticking to our budget, we should have no problem doing this – especially if we avoid our impulse shopping, because we never do that small – last summer’s impromptu week long vacation to attend a concert in Quebec City with the kids was a prime example of how we go off track and we have promised each other that we will not be doing that this year. No summer vacation for us that isn’t already worked into the budget and in order to work it into our plans, we have to make significant savings before then – following me?

So that is the Wealth Part of our 2013 plan. The health part comes from focusing on becoming more active together. we have invested in some high-end equipment for the rec room – things we can use together in the evenings instead of watching TV with a bottle of wine after the kids go to bed (another huge savings), an elliptical and a bike, something to add to my regime and of course start Chris’. It’s a win win for us as our time alone together is scarce so sharing something like this over conversation is a great idea, so glad he thought of it! On top of that I have decided to kick start my new year with some re-focused muscle building and toning. After my weight and body fat loss last spring, I have pretty much plateaued and although I dropped to 159lbs and 21% BF in July, even after a very indulgent December, I am still at 160lb and 22%BF, so it is time to bust through and kick start my body in time for our Hawaiian vacation (yes it was pre-planned, pre-budgeted and even pre-paid), in February.

So how am I doing this you may ask? Well, putting in 30 minutes on each piece of equipment for a total of 1 hr cardio/strength each day is a great start. Once classes start next week, I will decide if I will take class-days off of the equipment but I think that it will depend on how hard I work in those classes, because as the instructor, I don’t always do much of anything personally. The other huge decision I have made is to quit drinking for the month of January. This isn’t for the calories, it is because in women, alcohol can actually inhibit muscle building and increase the stored belly fat – so a metabolism boost of alcohol restriction in a usually wine-rich lifestyle, will help me build and tone my total body. I am looking at dropping 2% body fat and losing 6-8 inches in 6 weeks – while maintaining a healthy 2000 calorie a day diet so this will be a huge challenge for me. Can I do it? Of course I can. Will it take focus and dedication – absolutely.

So if you see me picking up a post-holiday chocolate or a glass of wine or even see me in a hopping mall looking for anything but essentials – slap me hard. I will thank you for it – I promise!

This entry was posted on Wednesday, January 2nd, 2013 at 9:19 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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