January Lifestyle Challenge: Fitness and Finance!

Happy New Year, everyone!

I hope that everyone had a great time during the holidays.  So a new year is upon us and there are more ways to become responsible adults.  As part of our attempts at successful adulting, we’ve been doing ongoing challenges.
For January, we will have two much needed challenges to follow the holidays: Fitness and Finance!
Fitness Challenge:
  • Workout at least 3 times a week
  • Log your workouts.  You’re more likely to hit your goal if you track it.
    • You can do pen and paper, the Fitbit app has a built-in exercise logging, there are other apps like My Fitness Pal.

Finance Challenge:

  • Make a monthly budget. Write down daily spending.
    • By writing down daily spending, it really shows you where a lot of frivolous spending in your budget is. You have to monitor cash, credit, and debit down to the penny.  No exceptions!
    • Use January’s spending to gauge if you need to redo February’s budget.
  • Rebalance all of your retirement accounts and investments.
    • Increase your contributions if you can.
  • Rollover or combine retirement accounts from old jobs if you haven’t already done so.
    • Fidelity makes it really easy to open an account or process a rollover.  I hear Charles Schwab is nice as well.
  • Set up a savings goal if you haven’t already done so.
    • Have money automatically transferred to a savings account every time you get paid.

Good Luck 🙂

Don’t forget our other ongoing challenges are:
Bring your lunch to work:  I’m doing marvelous.
Skin care challenge: I have room for improvement.

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