I wrote down every penny I spent for month in a little notebook that I carried with me for one month. After the month, I reviewed where I was spending money. It was an eye opener for me to see where my money was going. Mostly for coffee...now I bring my coffee to work.
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Cannot go to the gym - Heart Rate Monitor Watch helps
I workout at home, I got a Heart Rate Monitor Watch helps me a lot, I have one of those that track how many time you spend working out, so at the end of the week, the watch will tell me how much time spent and calories burned during the week, I don't like to see less than 3.5 hrs so it helps my fitness accountability 312
Not only will you spend less time in front of the tv but you will save money. I only spend $9 a month on Netflix now and can stream straight to my tv what I want to watch (movies & tv show) and it's easier to spend less time just veggin & channel surfing in front of the tv.
When I start telling myself that 10 minutes of exercise won't make a difference, I then say out loud, "it does more than ... sitting in front of the computer, sitting on the couch, eating that last whatever." 306
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