Have you ever been afraid to log into your bank account and check your balance because you know you over drafted your account or were about to? How about stepping on the scale after a week/month/year of not controlling what you eat or drink? Have you done both…at the same time?
A few years ago I decided to start a business. At the time, my prior career had gone nowhere and thought I could do better on my own. I was not a disciplined person at the time. I ate and drank whatever I wanted and I had no household budget whatsoever. I read a few things about starting a business and a constant commonality in everything I read was how much work it was. I thought (mistakenly) that this newly acquired responsibility would somehow prompt me into leading a more disciplined and successful life.
I was wrong. I was so very wrong.
My debts compounded. My waist compounded too. My business failed and I was ashamed of all of it. I was embarrassed to face my wife who worked hard full-time as a physical therapist and had just given birth to our beautiful daughter, Olivia Rose. All my wife wanted in the world was to be able to raise our daughter full-time or even half the time. That became a distant mirage.
Fast forward to today. I now work for the world’s largest insurance broker, managing insurance exclusively for accountants. I raised my credit score from levels that would make a crack-addicted hobo blush more than 160 points. I lost 50lbs leading up to an ultramarathon obstacle [Race Results] race that I completed this past Spring. I have more energy. I do more around the house. I am happy.
If you are expecting me to say I found an incredible system that I developed and can share with you in an online course for the low, low price of $59.99, you will be disappointed (or relieved). The truth of the matter is that there is no one system that would work for everyone. There is no singularity that will combine your diet, exercise, your job, and household budget into a nice and tidy box ready for public consumption with the click of a Paypal transfer.
What I have found that works is twofold:
- Read. Read as often and as much as possible. I currently read about 1 book every week or so. My journey was precipitated by being gifted Total Money Makeover by Dave Ramsey. This is the book that started the most important step…
- You must have a constant conversation with yourself about reality. What is real, what is not? Is this an excuse I’m making to put off or avoid an uncomfortable situation? Am I currently on track to succeed in my goals. These and many more are questions that you have to ask and answer yourself. You cannot rely on someone else to give you advice or feedback. You must develop the ability to do this yourself.
I wanted to create this website so that I could write about many of the things I have learned and possibly give insights to those interested. I hope you enjoy it.
Author: David Matthews
I started this site as a way of discussing what I’ve learned about the relationship between personal finances and physical fitness. What I have learned allowed me to lose 50lbs and improve my credit score 150 points in the same year and become a happier person.
Husband. Father. West Virginia University Grad. Licensed Insurance and Financial Professional. Sports fan (Philadelphia, WVU, and Manchester City). I’m also a huge nerd (like Magic: The Gathering huge)