Your Money Habit

Recharging Your Financial and Physical Batteries: A Holistic Approach to Achieving Your Goals

In today’s fast-paced world, many of us share a common experience: the burning desire to achieve big goals, but feeling too drained to take the first step. You’ve probably found yourself exhausted after a day’s work, resorting to ordering takeaway, lounging on the sofa, and binge-watching Netflix. Without sufficient energy, our aspirations remain just that—unrealised dreams.

This routine, while comforting in the moment, is a silent thief of our aspirations. Without energy, time, and persistence, our dreams remain just that—intangible and unattained. It’s time to confront a crucial truth: before we can chase our goals, we must first address the foundational issues of energy and motivation.

Disclaimer: Before we dive into the heart of this article, I’d like to gently remind you that some sections may come across as quite direct. This approach is chosen with the best intentions, aiming to encourage honesty and self-reflection on our journey towards personal and financial well-being. Please know that every word is written with care and the desire to support and inspire positive change in your life. Further resources can be found at the bottom of the article. 

The Vicious Cycle Of Exhaustion & Inaction

This cycle of weariness and inertia is not merely a rut; it’s a deepening spiral that, over time, becomes harder to escape. It’s a multifaceted problem, rooted in both physical and financial health. Our brains, the very engines of our motivation and problem-solving abilities, demand a rich supply of nutrients to function optimally. 
Think of your brain and body like a high-tech machine. For it to work well, it needs the right kind of fuel. This means eating good food, taking good quality supplements, drinking plenty of clean water, staying active, and keeping your mind positive. However many of the food readily available to us now is full of sugar, even those items that are supposedly ‘healthy’.  Consumed frequently, these foods can impair mental performance and cognitive function. This dietary imbalance can lead to diminished mental acuity, often referred to as “brain fog,” and exacerbate feelings of anxiety and depression.
Consider a car that needs the correct type of fuel to run then we attempt to run it on water or dirt. You’d have to agree that the car’s engine would suffer, and quickly lead to engine failure. Our  bodies thank goodness are more forgiving and will do what they can to help us function in survival mode for a time. If we don’t prolong the neglect for too long, we can usually begin reversing the effects within a week, though the journey to full recovery takes persistence and patience.
Self-care plays a crucial role in this process. It’s about making conscious decisions that benefit your physical and mental well-being.

To help you stay on track with your health, financial goals, and personal development, I highly recommend a fabulous app that I’ve recently starting using. This app isn’t just any tool; it’s a comprehensive platform where you can create vision boards to visualise your goals, jot down notes and ideas, set and track your goals, practice daily affirmations to boost your mindset, and even monitor your water intake to ensure you’re staying hydrated. It’s like having a personal coach and planner right in your pocket, supporting you every step of the way towards achieving your dreams and it can even help you make some additional income. 

Nutrition, Mental Health, and Financial Well-being: A Tangled Web

The link between our thinking processes, motivation, and chemical balance in our brains is intricate. When we’re low on energy, the likelihood of turning our financial situation around seems slim. We know we need help, yet the hurdle of admitting that and seeking support can feel insurmountable. The intertwining of anxiety, depression, and a lack of motivation creates a formidable barrier to exercise and self-improvement, depriving us of the myriad benefits, including enhanced self-esteem and confidence

This is often the moment when we acknowledge, “I probably need help, but I don’t think I can afford it.” Let’s address this candidly: the issue frequently isn’t an actual inability to afford assistance; rather, it’s that seeking help hasn’t become a priority yet.

Facing the Truth About Our Spending Habits

As a spending planner, I’ve observed a common theme in the financial habits of many individuals. There’s often a gap between what we think we can’t afford and what we’re actually spending our money on. The reality is that a significant portion of our income goes towards non-essential items—impulse purchases at the petrol station, subscriptions we rarely use, and takeaway food that offers momentary comfort but long-term detriment. These expenditures, often dismissed as trivial due to their small individual amounts, accumulate into a substantial financial drain. Moreover, they contribute to the cycle of poor health by promoting unhealthy eating habits and a sedentary lifestyle.

The Choice Between Comfort or Growth: Understanding Our Limited Time

Facing the truth that we don’t have unlimited time can really push us to make big changes. This brings us to a crucial crossroads: do we stick with what’s comfortable, or do we brave a bit of discomfort now for a better future? Making this decision is a deeply personal journey and asks us to be really honest with ourselves, which isn’t always easy. It involves looking closely at our current situation and asking ourselves if we’re okay with staying the same, especially when staying the same might actually be harder in the long run than making a change.

Think about it: the discomfort of changing your habits or routines is temporary. It might mean spending less on things you don’t really need, spending more on things you do need, waking up earlier to exercise, or choosing a salad and supplements over fast food. Yes, these changes can feel hard at first, but they’re nothing compared to the lasting pain of missed opportunities and unfulfilled potential. When we choose growth, we’re not just talking about getting physically healthier or saving more money; we’re talking about growing as a person, improving our mental health, and opening up new opportunities for ourselves and our families.

It’s also about realising that every minute we spend stuck in our current habits is a minute we’re not moving toward a better version of ourselves. The longer we wait to make a change, the more we’ll wish we had started sooner. Prioritising our health, both physical and financial, means recognizing that the best time to start was yesterday, the next best is now, even if it’s uncomfortable. It’s about seeing that the real cost of comfort is a life not fully lived, opportunities not taken, and dreams not pursued.

It is beautifully summed up in Mary Oliver’s poem, The Summer Day.

Doesn’t everything die at last, and too soon? 
Tell me, what is it you plan to do
with your one wild and precious life?

The Transformation Journey: A Holistic Approach

The journey towards better health and financial stability is complex and often overwhelming. There will be setbacks and moments of doubt. 

It will involve taking a hard look at your spending patterns and identifying areas where you can make changes. This might mean reallocating funds from non-essential items to healthier food options, a gym membership, and a Health & Money Coach.

It will also require a commitment to changing your daily routine towards an optimal health approach.

It may also mean taking the time to create a vision for your future. Where do you want to be in 1 year, 5 years or 10 years

In conclusion, the interplay between our physical health, mental well-being, and financial stability is a complex web that requires a holistic approach to untangle. By addressing these aspects simultaneously, we can break the cycle of exhaustion and inertia, unlocking our potential to achieve our goals and live fulfilling lives. The journey is challenging, but with the right support, education, and mindset, it is entirely achievable. The time to start is now. Your future self will thank you.

Here’s to embracing the adventure with an open heart and an eager spirit. Until we meet again, keep shining bright and chasing your dreams!

About Amira MacCue Founder of Your Money Habit

Freedom Crusdaer, Money & Health Coach, Bookkeeper

Passionate about empowering people to find their freedom and live a life of fulfilment and happiness. 

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