How to be richer, fitter and happier


We all want to be richer, fitter and happier, but the thought of making so many changes all at once might sound impossible. Thankfully, we have a seven day plan where you can transform your life by making small changes and a big difference.

Sunday

This is the first day of the new you. Before you go to bed, write your to-do list ready for the next day. This is one less thing to tackle in the morning and will allow you to kick off your day running. Speaking of running, another important Sunday night task is to find and lay out your gym clothes. If you get everything ready that you need to hit the gym early in the morning, you will find it harder to come up with an excuse to flake out. You will also thank yourself when you are not rushing around, desperately trying to find your running shoes at 6am!

Monday

It’s time to set up a savings plan. It’s not the most exciting plan, but it’s really important and will benefit you for years to come. Experts recommend that the amount of your income that you save should be proportionate to your age. For example, if you are 30 and you earn around $60,000, you need to have around one year’s salary saved. When you are 35, you should have double that amount, and by 40, it should be three times that amount, so around $180,000. If you stick to this benchmarking system, you will be able to retire with plenty of money – not including the interest you will have earned during that time.

Tuesday

Get ready for some reflection. We are conditioned to always be wanting more, no matter what we achieve, and so we are rarely satisfied. Take a moment to think and ask yourself ‘what do I want, that I already have.’ This will help you realize what you have already achieved, and be grateful for what it is that you have. The second part of the question is ‘What else, do I truly want.’ You might find that; actually, there is nothing left that you really want, or if there is, it’s time to start working towards it.

Wednesday

Let’s get that paperwork in order. Take control of your life by completing your estate-planning documents. That means your will, your health care directive and your power of attorney. It is not necessarily the most cheerful of tasks but it is so important, and the sooner you do it, the better. After all, it’s better to have the paperwork and not need it for many years, than be caught without it.

Thursday

Mix it up. Whether you work from home full time or just have a few bits of admin that you need to get done, give yourself a change of scenery to be super productive. Just moving from your usual desk/table/bed set up, will give you a fresh outlook on your tasks and you will be able to get so much more done with this new focus.

Friday

If you are an online shopaholic, it’s time to nip it in the bud. The best way to do this is to set up an email filter to make sure that all those tempting sales emails make their way into a particular folder. If you then need something specific, you can then look at the emails and see if you can find any good deals. This will help take the temptation out of checking your email.

Saturday

Practise some gratitude. A really great way to increase the happiness in your life is to be aware of all that there is to be happy about. Make an effort to write down three things you are grateful for before going to bed every night, and you will fall asleep feeling much more positive and fulfilled.

Work on these changes until they become habits and then enjoy a happier, richer, fitter life.