One of the techniques of saving money that I have been familiarized with over the years is to, “Pay yourself First”. There was a time in the past where I practiced this method myself. I do it a little differently now since embracing minimalism. I pay myself last. By simply making daily decisions about spending money and making sure that each purchase falls under the category of needs and not wants. I try to keep a minimum balance of 5000.00 dollars in my checking account and at the end of the month when all bills are paid I take whatever I have over that 5000.00 dollars and transfer it to my savings account. So each month I end up starting out with same amount in checking – 5000.00 dollars. If I do well during the month it is like a prize to see the extra being moved to savings. A reward so to say.
I developed this method because I found that for me I am inspired by seeing my savings grow. It has become much easier since paying of all of the debts and I know that if something should come up I can rely on what I have in checking to pay for it rather than putting in a credit card. It took many years of discipline to get to this point, but it has worked out for me. At one point I was using the overage each month to pay down debt. Back in those days I can remember that the overage was pretty small, but over time gets larger each month.
It all comes down to those daily impulses to spend money on things that we really don’t need. Each day presents a certain struggle and seeing that number at the end of each month and moving our finances in a positive direction can build enough confidence to make it through the day without spending frivolously. I used to keep a small notebook in my pocket and write down everything that I spent money on. At the end of each month I would review these purchases and learn that I was spending over 400.00 per month on cigarettes, or over 35.00 on coffee, or even 160.00 on lunches. I learned from the entries in this little notebook, found better ways of doing things, or gave up things that hurt me like smoking. When this happens you notice the difference in your checking account at the end of each month and are better equipped to pay down those debts or build up savings. Eventually daily spending becomes automatic and you will no longer have the need for the notebook as you are doing positive things each day because you will be looking forward the reward at the end of the month. Sure there will be months where things just break down and you will need to spend money to get them repaired, but staying on course will bring you right back to where you were in just a few short months. Who doesn’t like to be rewarded for their efforts? Simply pay yourself last.
I have decided that my rest period is over. This is not due to anything to do with my blood sugar as my numbers remain in a healthy area, but more to due with my body weight. I must start paying more attention to the meals I set out to eat each day and stick to it, and bring back a little cardio and a little weight lifting. Today I will simply do 20 minutes of cardio and tomorrow a simple weight lifting routine. My diet hasn’t been extremely bad and I have added some carbohydrates back into my daily eating habits, however I need to get my fat burning mechanisms moving again.
One of the issues that I have been dealing with during the course of the day is boredom and inactivity during the work day. I am finding myself looking to pick on things and that is not good. I will have to push through the summer and make a break towards a more active career once we settle in Tampa, but for now it makes no sense at all to make any career changes. But anyway, I am going to be working on reducing my overall body weight by at least 6 lbs and it felt wonderful to just break a sweat once again.
Blood Sugar- 95, Weight- 175.8
Treadmill- 20 Minutes
Breakfast- Peppers & Eggs
Lunch- 2 Tacos
Dinner- Fish, Spinach