I am finding interesting success since I have started thinking of my weight loss and debt loss goals as the same thing.
From January 8, 2019, to today I have “lost” $5,498.08 in debt, and since February 13, 2019, I have shed 11 pounds.
My total debt as of 1-8-19 was $509,470.68, which includes mortgage, personal loan to mom, car payment, student loan, and massive credit card debt. As of today, it’s down to $503,972.60. I still have a long way to go, but I’m making progress! I used my federal tax refund of $2525 to go almost completely towards credit card debt. I am still expecting to receive my state refund of $1392, which I am allocating towards credit card debt. I should also receive a work bonus of $1,000+ in April (although I certainly don’t count on that until it’s in the bank!), and I’m planning to put that towards the credit card debt also. My total credit card debt is down about $3,000 since the beginning of January, and it’s rewarding to see the numbers go down. My car loan, student loan, and credit card debt is down $4,325.44 with $79,747.82 to go. I just keep thinking that’s less interest I’ll be paying!!
I have also been putting a little money in savings each month to cover expenses that don’t come up each month. For example, based on last year’s numbers, I can expect my water bill to be about $500 for the year. However, it only comes once each quarter. So if I’m budgeting $50 a month for water, then each month I try to put that amount into savings so I already have the money when the bill comes due.
On February 13, 2019, I made a fresh start towards diet and exercise. It’s been three full weeks, and I’ve lost a total of 11 pounds. According to the BMI chart, I am now merely overweight as opposed to obese. A good portion of it was water weight in the first week or so, but I’ll take it! I can already feel my clothes fitting better, so it’s definitely having a tangible effect.
I have been doing over 200 minutes of cardio each week. Today will be my first day adding strength training to my workouts. I plan to add strength training at least 2-3 days per week in addition to the cardio workouts. My workouts have mostly been fast walking and elliptical. I also really like using a couple of DVDs I have by Leslie Sansone. She does mile workouts. Each “mile” is about 12-13 minutes. The best part is it’s in the house, so no excuses about rain, wind, cold, etc.
The first week of dieting I followed the Atkins plan. At the start of week two, I switched to Keto and have been doing that a full two weeks. The hardest part of each plan has been making sure I am getting the right amounts of protein, fat, and fiber all while staying in the appropriate calorie range.
One of the actions I’ve taken that is helping me get results is that I am faithfully tracking, measuring, and weighing everything I’m consuming. Another action that is helping me succeed is that I plan all my meals for the day in the morning or the night before. That way I know exactly what I’m going to eat as well as making sure I’m getting the right amounts of everything. In the morning, I try to prep as much as I can for my meals and snacks for the day. I have also been portioning out food so that I have smaller, more frequent meals. I find it helps to not let myself get super hungry.
Last night I was feeling hungry after dinner. I made sure to drink plenty of water to make sure it wasn’t thirst. I finally decided I’d have some nuts. I have portioned out servings in containers ready to go for those just in case moments. I opened up this very small container and looked at the 1/4 cup of unsalted mixed nuts. My first thought was how on earth that itty bitty serving of nuts was going to make me feel satisfied. I turned the thought around in my head, told myself it was a serving and it most certainly should be enough. I decided I’d take a bite of each nut separately, slowly chew the whole thing, and actually enjoy each one for its own flavor. By the time I was done, I no longer felt hungry and was so pleased with myself that I had stayed on track. It really felt like a win.
I believe there is a lot of truth to the idea of calories in/calories out for weight loss. My plan is to slowly transition from Keto to adding in more healthy carbs from a better variety of vegetables, some fruits, and even foods like quinoa and oatmeal. If I am diligent about tracking my calories and keeping them in range for weight loss, then I should still lose pounds. As long as I keep up with my workouts, then I’ll have even better results towards my overall health. I’m at 11 pounds down and 39 pounds to go!
My Takeaway Moment
I’m still doing a lot of soul-searching to try to figure out how my weight and debt are connected, but I’m absolutely sure there is a connection. I allowed both of them to spiral out of control. Now I’m finding that tackling them at the same time is working!