Published May 19, 2023, 9:20 p.m. by Monica Louis
fitness finance is a new way to think about your money. It's not about making more money, it's about making your money work harder for you. And it all starts with getting in shape.
We all know that being physically fit is important for our health. But did you know that being fit can also help you achieve financial fitness?
Think about it this way: when you're in shape, you have more energy and you're able to work more efficiently. The same is true with your money. When your finances are in shape, you can make your money work harder for you and you can achieve your financial goals more easily.
So, how do you get started on the road to financial fitness?
Start by evaluating your current financial situation. What are your income and expenses? What are your debts? What are your assets? This will give you a good starting point for creating a plan.
Create a budget. A budget will help you track your spending and make sure that you're living within your means.
Start saving. Begin by setting aside money each month for your savings goals. You may want to start with a small amount, but as you get in better financial shape, you can increase your savings.
Invest in yourself. One of the best investments you can make is in yourself. Invest in your education and career so that you can earn more money and reach your financial goals more quickly.
Get help if you need it. If you're having trouble getting in shape financially, there's no shame in seeking professional help. A financial planner can help you create a plan to get your finances in shape and reach your goals.
So, what are you waiting for? Get started on the road to financial fitness today!
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hi it's God and welcome back to my
channel so I am here with Danny hi guys
so today we are gonna be getting you
with skincare fitness and finance it's
gonna be amazing
let's get right into it right so I have
asked you ve been loving at Danny's
videos what did I tweet the other day
what was it I feel like Donnie is like
helping my skin and my wallet glow when
I was like yes literally my life mission
I just want everyone to like feel look
great but also have like some great
financial wellness so you're trying to
bring that ball to you I gonna I'm
loving it so I thought I would bring
that to you guys
so let me starting off with skincare
okay so excited after you guys know
seasons are changing we're all suffering
I know for me personally this is the
time where like hydration is key so
starting off with a mask I feel like a
mask is such a nice piece of going to
the routine you know it's not every day
a mask maybe once or twice a week let's
do a mask once a week so this is Madonna
Mia tissue mask
this is one of those Korean sheet masks
which I think it's like 3 or 4 pounds in
Boots super cheap actually really remind
and another one is the Neutrogena
hydraboost so they actually do make this
and a sheet mask version but such a like
a paste this is amazing
can I talk to this a tiny bit laughs
it's a little jelly it's great there's
so many uses in this pot and I love the
fact that you know you can't like for
face masks out of this and I'm like
that's good about you for money the next
thing which is really important to me
and I think everyone's keeping that glow
and keep your skin looking renewed and
fresh is a retinol so okay wait know
what okay I've been hearing so many
people talk about them as a ballad I
don't know so retinol is an active
ingredient that you have in skincare
which helps your skin resurfacer
essentially its resin I'd like to point
out that she's not wearing any like
business just like she's just please a
glowing like I'm very
to speak regularly so this is the
ceremony resurfacing retinol serum you
can actually pick this up in the UK at
the moment I pick this up in the States
but it's super cheap I think it's around
14 dollars which i think is pretty good
for pretty good quality product also the
next one if you follow my channel you'll
see me talk about this this is a more
luxury product so this is by dr. Denis
grass and this is the wrinkle serum for
overnight this is a really nice one to
use overnights like a thick moisturizer
I'm actually cheeky and use this daytime
as well because I just want to lock in
the moisture you know and it just feels
so good and then lastly I guess will not
lastly and ultimately is moisturizers so
I don't know it's really important
especially with eyes like I'm very
obsessed with eye moisture you know I'm
getting older like honestly I just like
want to keep my skin looking as good as
possible so for eyes I use the glossy a
bubble wrap this is that eye cream you
can also use on lips personally I don't
like your lips I like a more hydrating
lip kind of moisturizer but this is
really nice for under eye and then for
all over face moisturizer this is the
poly peptide cream by drunk elephant
which you can pick up in Space NK final
and most important step is SPF guys I
mean if you are someone especially that
has you know different color textures in
your skin or if you are using products
like retinol it's so important that we
aware SPF even in winter like as you'll
see especially if you're basically UK
it's cold but we have bright days we
have really bright days your skin is
still being exposed to sun rays so I've
got two xpx here so the first SPF is by
glossier this is the invisible shield
SPF 30 I really like this because it is
really moisturizing 0yk yes battle is
very very important because especially
for me I don't wear a face moisturizer
every day but I do wear an SPF every day
you're having a product like this which
is rich in moisture that doesn't mean
looking like Casper the ghost it's so
important that some means that you like
this one I really like that one I love
this product the second SPF is called
super goop so this is the unseen
broad-spectrum SPF 40 so essentially I'm
not going to go into the science of SPF
but essentially there's actually not
much difference between these two but
this will to last 10 times longer than
an SPF 30 because SPF 40 we're gonna be
going on to some fitness now cool so now
we're gonna do a few Pilates moves that
can help to strengthen your back so
those you don't know I had a read by car
incident and actually flat is really
helped me like fix my back so let's
start on upfront okay I'm gonna do it
next to scholar a little bit so I'm
gonna start lay on the floor pop in your
hands in line with your shoulders at the
side down onto the mat chin to chest
forehead all the way to the ground and
then you're gonna start to rise through
your toes you're putting your big toes
back wall and can you feel on the left
you should kind of feel like your calf's
coming off the ground maybe even your
thighs if you've got that strength and
then from there we're gonna pull the
arms up and tighten through the middle
up off the back so if you can feel
pinching in the lower back here and
really focus on pulling in your core to
take that away and tighten through your
glutes to avoid that lower back pinched
and lower and then we're gonna repeat
starting with the toes pointing them to
the back wall lift the chest pinch and
that down so next week is a progression
from there so we're gonna start with the
arms in the same place toes are flat
against the ground at this point but
we're gonna push through the arm so is
if you're drawing your shoulder blades
back and pushing through the bottom of
the palms at the hand same again if you
can feel the pinching in the lower bar
please take it through the core rather
than squeezing through your buttocks at
this point but we're gonna go back down
turning those elbows in as if you're
pushing your forearms out of the front
window
bend at the elbow back down lowering the
chest slowly oh girl this is the burn
I'm not lifting again we're gonna go
halfway here just keep it up been
through the elbow and back down using
the middle of your back to really help
you take this same again halfway ah and
then the same again it's kind of similar
to what we did at the first one drawing
the toes up the back wall to lift up to
your hip bones fingers are coming up and
stuff forearms go is separate feet and
we're swimming okay all the sides oh my
god bleep use the exhale on the way down
inhale that's it really try and draw
those toes up the back wall and let's go
four three two one you know that was
really good and your back will thank you
later okay it is time to blow up our
bank accounts okay this has been of my
favorite part of Danny's channel is just
ate my knee just stop that you just need
to know that's so simple so today she's
going to be hitting us with a few tips
absolutely so I've got three things that
you can do today to make yourself more
financially future-proof essentially so
the first thing I would say kind of a
boring one but actually with what's
happening in the UK at the moment please
make sure you're on the electoral roll
so you might be this is just for voting
but actually it does play a massive part
with your credit and your banks and all
that kind of fun financial stuff so
number one you know I didn't know that I
had no but not good them oh yeah what
are the easiest things you can do that
actually does impact your credit score
and stuff so you know make sure you
always update it especially if you're
something that's like renting or at uni
you know check that we're gonna check
for financial leaks you're like what the
hell is a financial worries
sleek is a direct debit that you don't
remember you're paying oh this is what
we're gonna do so going your online
banking and have a look all your past
transactions from the past month I won't
even say to go back the past two months
and have a look for direct debits that
you know you might forgot you've got
three pounds here seven pounds there
they all add up and naturally you should
be able to go for your direct debits and
know off the top of your head I've got
directed with my phone my insurance
healthcare etc etc easy things that you
can dial off from the top of your head
and not have random things going out for
like I don't know a hair burst of all
three years ago it's such a good one
because I thought I'd cancelled a gym
membership I think this was about last
year or two years ago and turned out I
had it I hadn't changed for like six
months I think I did check my bank
account but not to the point where I'd
be like we're through everything
yeah and then by then I mean I managed
to get my money back
amazing but that was just because the
bank was being nice good yeah it was
just one of those things that I didn't
realize these people were charging me
you know I've cancelled so it was a
whole thing it's really important
especially just going on from what's
gonna set if you have got anything that
potentially you know you didn't know
about you actually didn't actively
cancel it definitely dispute the charges
oh you know you can be absolutely
disappear achar Jess it's your money you
know you're entitled to it especially if
you didn't know you were paying for it
so that's it number two check for
financial leaks and tip number three if
you're not coming Christmas presents
yeah what the hell are you doing now
let's not be a last minute cz and get to
December the 20th of stop buying
everything might be man I've done it so
many years and actually now we were just
laughing the fat by avoiding our
Christmas presents in my flat for my
friends and family it's so important
just to be a bit more like financially
savvy like one thing that I would say
starting from now ready for next year is
create a little sinking fund put ten
pounds a month away in there
by the time units you get some next
December but that's 120 pounds which
actually you didn't have to be have to
think about yeah I'm realistically you
shouldn't be spending more than that on
Christmas presents for people like let's
be good you know
comes around every year people know that
you love them and I think actually gifts
on the best way of showing how we care
about anyway especially at Christmas
it's all about like eating food yeah I
mean oldacre as well it's a bit naff i'm
like my mom always asked me all what do
you want am i don't pay my rent thank
you for coming and going yourself
basically in every aspect of our I may
be trying I don't even know what finance
tips just gonna house with says I can't
Leslie big surprise for me always go if
you want to see more of her tips more
videos all that good stuff then make
sure you check the description box for
links Instagram YouTube all of them stay
healthy stay luscious and i ladies
[Laughter]
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you
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