Find a form of exercise that you love. Going to the gym isn’t everyone’s cup of tea, but everyone still needs to get exercise each day. Unless you have a manual labor job, it’s important to keep your body in good shape with additional exercise. The key to exercising religiously is to find a form of exercise that you love.    Think back to what you liked to do as a child. Basketball? Swimming? Running? Tennis? Maybe you took yoga in college and loved it. Maybe you rode your bike to school and had a blast.    Could you do that activity now? What do your friends like to do? Could you join them?    Find something you like to do, and you won’t have to force yourself to do it! Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Create an emergency fund. It’s one thing to be able to pay your bills each month. It’s another to be able to deal with a dead furnace, automobile transmission, or a lost job. If you’ve been automatically saving, you should have a great start on an emergency fund.    An emergency fund is for an emergency. So, the money in the account should be left alone unless there’s an emergency. It also needs to be accessible. It’s not wise to invest your emergency fund in real estate, for example.    Experts recommend saving anywhere from 3-6 months’ worth of expenses. Get busy saving, even if it’s just a few dollars each week. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Forgive yourself. Maybe you messed up high school and had to go to community college. Maybe you chickened out and didn’t ask out the pretty lady at your first job. Maybe you let down a friend. Or you went bankrupt. Or you gained too much weight.    We all have done and said things we regret. We’ve all failed to do things that we now regret. There’s no fixing the past, so the only solution is to just forgive yourself.    Make a list of your biggest regrets and let them go. You’re a more capable person and you’ve learned your lesson. There’s nothing to be gained by beating yourself up any longer. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Plan your day the night before. You’ll have better and more productive days if you plan them in advance. There’s a big difference in your results if you plan out your day versus just winging it.    As part of your evening routine, make a list of the things you most want to get done the following day. Put them in order of priority.    Have your list available when you start your day. Get busy and attack that list as soon as possible in the morning. Complete the items in order.    Just try this for a week and see how much more you get done. Notice how much more relaxed you are, too. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Drink more water. Water is practically free and good for you. Your body is mostly water, so it only makes sense to replenish your body with water each day. Your body craves water, so give it what it wants.    There’s no need to drink a gallon or more of water each day unless you’re working outdoors in the summer heat. Drink a big glass of water when you first get up in the morning and a couple of hours before bed. Drink when you’re thirsty in between those times.    See how well you can keep your fluid intake to water exclusively. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Read a financial book. Pick a popular and highly-regarded book on personal finance and read it. It can be a general book on personal finance, or be specific to a particular topic, such as debt reduction or investing.    After reading each chapter, create a few notes on how you can apply the information to your life. Then, actually apply it.    You don’t need to be a financial genius to be financially independent. All it takes is a few good habits followed consistently. It’s time to get started. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Develop a spiritual practice. Humans are spiritual beings. It’s one of the few things that separate us from other animals. How you choose to develop this part of your being is entirely up to you.    You could join a church and become an active member.  You could develop a meditation practice.  You could sit in nature each day or week and ponder the universe.    Decide what is right for you and start doing it this week. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Limit your use of electronic devices. If you watch a lot of TV, there’s a good chance your life could be better. TV is a convenient form of entertainment, but it accomplishes little beyond that. The same goes for playing on your phone or surfing the internet.    Add up how many hours you spend on these devices each day. What else could you do with that time?    If you need entertainment, find something with additional benefits. For example, playing basketball with a friend provides exercise and socializing. Reading a non-fiction book increases your knowledge. Gardening beautifies your home or provides nutritious food.    Electronic devices are the junk food of entertainment. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Take a walk. We’re made to move around on two feet. Spending too much time sitting is bad for your health, and sitting is what we seem to do most of the day. Some scientists claim that sitting is an unnatural position for humans. That’s why we need chairs and couches to be comfortable when we sit.    Walking is natural and free. It’s great for your body and mind. If you can walk in nature, so much the better. It’s a great way to relax.    It can be more interesting to walk with a step counter. There are even free apps you can use with your smartphone. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message

Save automatically. Many people make the common mistake of telling themselves they’ll save whatever money is left over at the end of the month. Of course, there never seems to be anything left to save. Make a habit of doing the opposite. Save first and then spend.    Take money out of your paycheck and save it before you can possibly spend it. You can’t spend what you don’t have.    There are a variety of ways to do this. You can manually take money out of your checking account and put it into a separate account. You could also have your employer split your paycheck and send part of it to a separate account. Either way can work. Stay in Touch! Twitch Instagram Facebook YouTube Blog Newsletter Breakthrough You Podcast https://anchor.fm/byou --- Send in a voice message: https://anchor.fm/byou/message