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Financial Fitness: The Resolution That Doesn't Require a Gym Membership

When it comes to getting in shape and setting a new years resolution, we often think about physical fitness first. However, financial fitness is just as important for our wellbeing. With the New Year upon us, now is a great time to reflect on our finances and make a plan for improving our financial health in 2023.

Just like getting physically fit requires commitment and effort, so does getting financially fit. But unlike going to the gym, becoming financially fit doesn’t require a lot of money. In fact, becoming financially healthy can save you money in the long run. Here are some tips to help you get started on your financial fitness journey.

Evaluate spending habits from the past year and identify areas to cut back

The past few years have brought new financial pressures to everyone, and it’s natural to want to reflect on how this money was spent or where it went. Take a step back and evaluate what you can do differently moving forward.

Most of us have varying needs and wants, and it’s important to acknowledge the difference between the two. Needs are items that are essential for daily life and should take precedence over any unnecessary spending. Once those needs are taken care of, it’s okay to reward oneself with certain wants. Distinguishing between them helps in wise spending practices that ensure your finances are kept in check.

Make a budget for the upcoming year and stick to it as closely as possible

Starting the new year off on the right foot by making a budget. Making a budget for the upcoming year is an excellent way to take charge of your financial life and set yourself up for success. Trying to stick to it as closely as possible can help you make smarter buying decisions and be more mindful of where your money is going. Even if it's challenging, having a plan will give you a better idea of what you need, affirm that you're making progress, and motivate you as you reach each progressive milestone.

In the end, when that monthly statement comes in, there won't be any surprises – just the satisfaction of knowing you've managed your finances with confidence!

Invest in yourself and your kids by taking courses or reading books that will help you improve your financial situation while preparing them for the future

Investing in yourself is one of the most important things you can do to ensure your financial future. Taking courses or reading books that help you gain a better understanding of managing your finances wisely is a great investment - not only in terms of money, but also in terms of building knowledge.

FitMoney's Financially Fit Certificate is a great program for K-12 students, and one that can be done independently or with parent participation! Learning more about topics such as budgeting tools and financial planning means that by equipping yourself with the right skills and strategies helps build healthy financial behaviors for the long-term.

Getting your finances in order can be a daunting task, but it's definitely worth it in the end. By following the tips we've laid out for you, you'll be on track to becoming more financially fit and savvy. And remember - you're not alone in this! We're all on this journey together, so help others by sharing your knowledge about financial fitness. With a little bit of effort and self-control, you can reach your financial goals.

For more resources, guides, and activities for all ages, visit to get started.


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