Browsing Tag

health

Healthy Lifestyle on a Budget
Money Management

Healthy Lifestyle on a Budget

I began my debt free journey in November of 2015. It truly became a reality that I was in over $200k of student loan debt while I was completing my graduate studies. During grad school I completely changed my life to save as much money as possible. I started meal planning and got my grocery budget down to under $150/month. I was proud to get my groceries this low, but I also was dealing with my chronic sinusitis and migraines at the time. Eventually those two things wore me out, especially the migraines. I had sinus surgery in 2012 and was taking so much preventative medicine, only to still feel congested, always have headaches and averaged 1 migraine every week, sometimes up to 5 per week. I was over it.

Healthy Lifestyle on a Budget

Around this time my coworker mentioned to me that her daughter’s doctor recommended they cut out dairy from their diet when they had chronic sinus problems. She also suggested I do some research to find out what else caused inflammation in the sinuses. So, I went home and did my research. The two major things I knew I could quickly change was dairy and switching to organic. But, I knew my budget was going to suffer drastically from the organic. Desperation to get rid of my migraines pushed me to ultimately try the new diet.

Yes, my budget jumped to being under $200/month once I switched to organic. I expected at least this, but a lot happened that I didn’t expect. After about a month, I no longer needed my migraine medicine or my allergy medicine (I wasn’t even allergic to anything, my doctor told me I was sensitive to everything), this saved me about $50/month. And look at that, I just made up my grocery budget going up 🙂 Eventually, I stopped seeing my ENT all together, I was no longer getting sinus infections, and it was very rare that I got sick. I went from seeing doctors more than once a month, to seeing them once a year for a physical.

I used to have a medical sinking fund, that’s how much money I used to spend consistently on my medical expenses. Between the co-pays and medicines I consistently took, it was a ton of money. I no longer save any money for medical expenses because I’m no longer needing to do any of the things I used to do daily just to still feel awful.

Some people might argue that it isn’t frugal of me to be spending so much money on my food, or spending money on my at home work outs. Everyone has a different definition of frugality and mine has definitely changed over the last few years. What I realized was that even though I was spending an incredibly small amount for preventative health (nutrition, exercise, etc.), I was spending a ton of money on my reactive health, medicines, doctors appointments, surgeries, etc. In the long run, I feel that this is going to save me the most money, so that’s why I made the change.

Healthy Lifestyle on a Budget

I shared my reasons why I switched to a healthy lifestyle and how it has changed my budget. If you’re interested in even more tips, follow this link and I’ll happily add you to my private Facebook group 🙂

3-Things-I-Spend-Money-On-Each-Month-Blog
Money Management

3 Things I Spend my Money On Each Month

3-Things-I-Spend-Money-On-Each-Month-BlogI know, you’re probably thinking, this girl is trying to pay down a MOUNTAIN of student loan debt, why is she spending money on things?! Until about a year ago, this was exactly how I thought. When I finally realized just how crazy my student loan debt was in September 2014, I made my budget completely bare bones. I cut out everything, I mean everything. I was living off of eggs and ramen, never doing anything that involved spending money, and wasn’t really thinking about my health. Until I realized I needed to make a lifestyle change in order to save money in the areas I thought I couldn’t save in, like doctor’s office visits, medication, etc. I have some pretty horrible sinuses that have caused me a lot of problems throughout my life, one of the biggest being how much money it costs to help me live day to day. These are the things that I splurge on each month, and in return I am living a much happier, healthier life:

#1 Organic Food

This was a huge decision for me. Organic food is expensive and at first I couldn’t justify spending that much money on food. But, I started searching the Internet for ways to deal with horrible sinus problems, and most of them repeated the same things. A diet that consists of organic, healthy foods and minimal dairy. I made the switch to see if there was any difference, and I haven’t gone back since.

#2 Gym Membership

Working out and being more active was part of my new lifestyle I was trying. When I was still in grad school in September 2014, this wasn’t an issue for me. As a full time student, I was able to get into all of the university gyms. However, when I finished my degree and moved back home to pay down my loans in July 2015, this became I huge issue. I told myself that I would work out at home and run outside, but that never happened. I decided to try out a gym because I thought paying for it would motivate me. It definitely has. If I’m paying for it, you can guarantee I get my butt to the gym whenever possible.

#3 Being Social

Now, I’m not saying I go crazy and spend a ton of money each month doing things. However, when I was in grad school, I didn’t do anything because I wanted to push as much money as possible to my debt. I was miserable and missed out on a lot of fun times with my friends because of it. I realize now that it’s more important to spend a little more money doing things with the people you care about, than to be alone.

These are three of the things that I have chosen to splurge on while paying down my debt because it allows me to be happier and healthier. Since switching my diet and being more active, I rarely get sick and have been able to stop taking almost all of my daily sinus medications. Even though I needed to spend a little more money, I’m saving money in other ways because of it. What are some things that you splurge on?

I_Switched_to_an_Organic_Diet_and_Saved_Money_pin
Money Management, Personal

I Switched to an Organic Diet and Saved Money!

I_Switched_to_an_Organic_Diet_and_Saved_Money_pin

I never thought I would switch to a mostly organic diet, I never thought I could afford it. I mean, organic food is so expensive, right? Its difficult to swing that on a tight budget, and I can just eat the other, cheaper options. I used to always say this, food is food, so who cares if it’s organic or not? While I was in grad school, I knew I couldn’t afford it. I was making roughly $1,000 a month and trying to put as much of it towards my loans. Right around this time, a few of my friends started changing their diets to be organic and take out certain food groups, and their health issues went away. This intrigued me.

Some Background Info

You should probably know before I really dive into this post that I have awful sinuses. I’ve had issues since I was in middle school with sinus infections and migraines. I have gone weeks where every day was ended with a migraine. It’s not fun, and would require me to take a lot of medication. I had sinus surgery when I was in college, this helped a lot, but my migraines would still randomly come and I still got the occasional sinus infection with a cold. At my absolute worst, I was taking a strong decongestant and nasal spray every single day, and would still get the headaches now and then. I was spending at least $30 a month just on my allergy medicine and nasal spray. This doesn’t include the additional decongestants I would take when I got a headache. I didn’t want to live like that anymore, taking medicine everyday, only to still feel awful. I was curious to see if I just started eating healthier, more veggies and fruits, and organic, if my sinus problems would get better.

Was an Organic Diet Worth It?

Lemme tell ya, I felt so much better after making the switch. I still got the very random headache, but I was able to stop using the nasal spray and take a much more mild allergy medicine. This allowed me to save a lot of money on medicine. Once I calculated it all out, the additional cost of groceries was about even to what I saved from stopping my old medicines and lowering my allergy medicine. Personally, I would much rather pay more for groceries, and take less medication that costs me a lot of money each month. I now spend at most $18 a month on my allergy medicine, usually I can find the Rite Aid brand to be even cheaper and I get 20% off everything with my Plenti card. This allowed me to put additional money towards my grocery budget in order to afford organic choices.

Stepping It Up

Recently I’ve been doing a lot of research on how our diet effects our health. Some people in the past have mentioned how cutting out dairy completely got rid of all of their sinus problems. This seemed completely impossible for me, I love dairy. But, what I have found online supports what people have told me. So, I’m slowly cutting dairy out of my diet to see how I feel. It’s definitely hard, but I think cutting things out slowly will make it more manageable for me. I’ve only made switches so far, like almond milk instead of milk, almond milk yogurt instead of Greek yogurt, but I have already noticed differences. For one, I unexpectedly lost the 10 pounds I gained in college after eating organic now for about 4 months and making those minor switches for about 2 months, I was shocked. But, my sinus problems have also greatly improved. The only times I feel congested and get headaches now is the day after I eat a lot of dairy. I still take my allergy medicine, but I’m hoping if I completely cut out dairy, I’ll be able to stop taking that altogether.

This little diet experiment blew my mind, I’m so happy I made the changes I did and continue to do so. I feel so much better and now understand why it is so important to fuel our bodies with the best foods for it. We shouldn’t have to take a ton of medicine each day just to get through it. By making healthier choices and creating a diet that was specific to my health problems, I am now able to live a much happier life, almost medication free! Did you change your diet for health reasons? What was your experience?