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Sunday, April 21, 2013

  • Health: Try preparing a few meatless meals each week to save money and reduce fat calories,
  • Wealth: Keep an eye on your credit! Request a free credit report every year from the three major credit bureaus Experian, Equifax, and TransUnion on a staggered rotating 4-month schedule.

Monday, April 22, 2013

  • Health: Use portion size measurement aids to monitor what you eat. For example, 3 oz. meat servings are about the size of a deck of cards and should not take up more than a quarter of your plate.
  • Wealth: Estimate your life expectancy to make realistic retirement savings plans. Check some online calculators.

Tuesday, April 23, 2013

  • Health: Understand your eating and exercise patterns. Keep a food and activity log and total calories consumed daily and total time spent on physical activity.
  • Wealth: Save at least the maximum amount of worker’s contributions that your employer’s retirement savings plan will match and even more if you can. Don’t leave free money” on the table.

Wednesday, April 24, 2013

  • Health: Paint a mental picture of your health goal (e.g., losing 20 pounds), write it down, and post it where you can see it every day. What you think about, you bring about!
  • Wealth: Cover the risk of loss of income due to accident or illness with disability insurance paying at least 60% to 70% of your gross income.

Thursday, April 25, 2013

  • Health: State health goals with “I will” and “I can” statements. For example: “I will eat 100 fewer calories a day” and “I can carve out 45minutes a day to exercise.”
  • Wealth: Raise your savings when you get a raise. Each time you get a pay increase, save some of it.

Friday, April 26, 2013

  • Health: Commit 100% to your health goals. When people expect a lot, they generally achieve a lot!
  • Wealth: Invest tax-deferred. If you earn $50,000 and put $3,000 in a 401(k) plan, your taxable federal income tax calculation starts at $47,000 instead of $50,000.

Saturday, April 27, 2013

  • Health: Make concrete plans to improve your health habits. Studies have found that “plans to change” often predict actual behavior changes.
  • Wealth: Keep track of your spending for a month or two and use this information to organize spending plan (budget) categories.