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Blog Posts on My Frugal Life:

Living A Healthy and Active Life
Sunday, October 16, 2011 | By Tanya39

Well living a healthy frugal lifestyle is what we should all be about especially us moms. Gyms are ok, but you get a lot of people there who judge by the way you look. I tend to glare when that happens to me. Scholarships can be had at the YMCA. If, you really want privacy try Snap Fitness an all night gym. I think that the yearly cost outweights the spendiness of the gym and is total a good price for living longer and healthier. A membership there for a year is 300 dollars. I tend to think that is more a frugal price than 500 dollars or 450 dollars like other places. If, you aren't shy you can try a Planet Fitness for 10 dollars a month and 120 dollars a year for membership. It is a more younger crowd of college kids, but if you don't mind that go for the cheapest.

Colleges now have fitness centers on campus, and all students can use it free when classes aren't in session. MSUM in Minneapolis has one for their Fitness courses and majors. They also have a clinic with doctors and all right on campus. Eating healthy is the best way to stay well. Living frugal and tightwad for health and body may be tough if you are poor, but not impossible. If, you are an adult who is auditing a college course in writing or something you can gain access now with the same priviledges the regular students have at college. Meaning you can use their gym for free, and the health facility too. You may have to pay for meds, but it is free with your student card that is given to you for picking their school to audit a class. You don't get graded, but you pay tuition and that is where the catch is....aka they have to give you total access to campus and that can only be had now with student id cards. Last year alone several older students audited classes used the same facilities for the duration of their class time as regular college students do. In closing treating our bodies bad for years doesn't have to hurt the budget to get healthy and fit, so we can live longer for our families. Think about what you can do frugally and then follow your own advice on staying healthy and living healthy.

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Husband's Injury
Thursday, March 03, 2011 | By leftthesanebehind

For a few years my husband has suffered from a torn shoulder ligement, causing partial paralyzes to his left arm. There are times when he can't even pick up a glass of water, toothbrush or drive. Since the waiting list for his surgery to partially repair the tear is so long, we have had to deal with the effects of this damage for many years.

He has made a Doc's appt. and we are in the process of filing for disability (partial) I fear they will cut his job every time he calls in a says he can't come in. Scared to be a wife, not sure how to say when he is hurting, we need his income or we loose everything! If they cut his job we have hardly any income, never mind going anywhere for a trip, just trying to survive! the possibility of selling our 4x4 has run through my mind and becoming a one vehicle family.

My family not supportive at all, thinks just because we own a house we should fix it up, paint, do Reno. I can hardly go three days without worrying about lost of wages. Scared to death! pray for us please

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Food Problems
Thursday, February 03, 2011 | By grahamcl

I think my daughter and I will be trying an elimination diet this spring.  I have never been able to single out the food(s) that cause her stomach upsets, and I'm having various symptoms that don't add up.  Perhaps if we try the elimination diet, we can work out what doesn't agree with us.  Besides, I'm hoping it won't be so hard for her to give things up for awhile if she's not doing it alone.  I know that would help me!

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Setting Fat Loss Goals
Saturday, January 08, 2011 | By Keri Norley

So, have you taken time to reflect on the past year, yet? Now it's time to write some goals for 2011.

If you looked back at 2010 and realized you didn't do anything to achieve any of your goals or you have struggled but wasn't able to reach it, then maybe you should set them a little smaller for 2011 so that you can achieve some of them if not all.

If you achieved all your goals, then you might want to think even bigger this year and stretch yourself to create even more for yourself.

One way of doing this is to write a commitment goal and a stretch goal. Write a goal that you are absolutely committed to achieving and will do whatever it takes to get there. Be realistic with yourself. You want to hit this goal. Then, take the same goal and create a bit of a stretch.

For instance... I am absolutely committed to fitting into my size 10 jeans by 10 March, 2011. My stretch goal: I will be in my size 8 jeans by 10 March 2011. Make sense? You can do that with all your goals.

Write your goals down and put them somewhere that you will see them. Make sure you re-visit your goals so that you have a clear path of where you are heading. Sometime we forget about the goal altogether and that makes it pretty hard to achieve it.

Have fun with this! Think big and play lots. This is your life, make it what you want to.

If you have struggled in the past to reach your goals or if you always reach your goals, then you absolutely must read this post so you can get even more clear on how to write achievable goals.

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Reflections on 2010
Wednesday, January 05, 2011 | By Keri Norley

It's hard to believe that yet another year has gone by. This time last year, we were packing up boxes to head overseas to spend a few months with family. A year later, we are finally settled back into a home of our own, back in Dee Why. The circle we have come has been huge and a year filled with amazing opportunities and connections made with incredible people.

At this time of year, it's always so good to take some time to reflect on what has happened for you over the past year. Think about what have been your successes and what have been the learnings you made from things that didn't go quite as you planned.

It's important to look at all areas of your life. Think about your career, finances, relationships, health, etc. Of course, you can break these down even further and really break it apart, but how you reflect is up to you. Take some time to write everything down.

For myself, with 4 moves under my belt, raising a gorgeous little boy, (and a big one - my husband), growing our business, working in our business and everything else life hands us... it has certainly been an emotional and wild ride this year.

Most people think we are crazy to do what we did, but it's just the way things worked out. I am so grateful for the year we have had and everything that it has brought us.

In the end, we are stronger; physically from moving LOTS of boxes and furniture, emotionally from coping with the stress of moving 4 times, and as a family unit as we had to pull together and work hard to make everything happen. We also learned how absolutely incredible and supportive our friends, family and clients are. They were there cheering us on and offering a couch to sleep on through all our uncertainty. So many wonderful things have come out of this year for us personally and professionally.

So, make sure you take some time now to write down what has happened for you this year. Then take a moment to write how you can make 2011 even better than 2010. Think of any goals you haven't achieved yet, and see how you can actually bring them to reality.

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Cinnamon For Fat Loss
Sunday, January 02, 2011 | By Keri Norley

Use this spice to lose belly fat

This spice has been used for hundreds of years for its medicinal qualities. You probably already use it, but don't even know it's helping you.

It can actually help you burn belly fat. It also has been used to

• reduce blood sugar levels • help relieve nausea, vomiting, and flatulence • can be used for its anti-bacterial and anti-fungal properties • improve circulation

So what is this miracle herb?

Cinnamon!

Honestly, for years this has been one of my favorite herbs to cook with and it's great knowing the fantastic benefits of cinnamon.

One of the first human studies was published in 2003 in a medical journal called Diabetes Care. Sixty people with type 2 diabetes took 1, 3, or 6 grams of cinnamon in pill form daily, an amount roughly equivalent to one quarter of a teaspoon to 1 teaspoon of cinnamon.

After 40 days, all 3 amounts of cinnamon reduced fasting blood glucose levels by 18-29%.

What does this mean to you?

By controlling your blood sugar levels, you are allowing your body to produce less insulin. One of the biggest factors in packing on the fat is high insulin levels. So... Reduce your insulin levels and you can reduce your fat!

How do you use cinnamon to reduce your fat? Eat it!

Buy cinnamon powder (without sugar) and use it as often as possible in your cooking. You can put it on your oats, smoothies, yogurt, etc. I LOVE cinnamon when I make a beef mince dish. I also tend to sprinkle it on beef that I roast. The smell of it cooking all day long is mouthwatering.

Yesterday, we started experimenting with a cinnamon drink. It's delicious. Boil 3 tbsp of cinnamon and.... of baking soda in 1liter of water. Drink throughout the day. Sounds funny, but it's yummy. Give it a try, especially if you are craving sweets.

Cinnamon has some very great benefits for you and is so easy to add into your diet. You don't need much to get the benefits of it. The study here showed that even 1/4 of a teaspoon made a difference.

If you are on medications (especially for diabetes) please consult your doctor before any major changes to your diet or supplementation. Blood glucose levels can dip too low, so be safe.

Where are you going to eat your cinnamon today?

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Exercise for Beach Body
Wednesday, December 29, 2010 | By Keri Norley

Are you ready for summer?

After following winter around the globe over the past year, here at Targeted Fat Loss, we are VERY excited to be around for a Sydney summer.

Not only are we around, we have just moved our house and training studio into a more permanent abode. We have been nomads for the past year, so this is very exciting.

We are settling in and brushing dust of things that have been in boxes for over a year now. If you are anything like our bits in boxes, maybe you feel like you need to be brushed off and picked up to get ready for summer.

Our first tip for you to get your body in shape is to get up and get moving. In winter months, we tend to hibernate and sit around more. If you want to shed the winter layers, get up and move.

In order to do something long enough to make it work for you, you must like what you are doing for exercise. Let me share a bit of insight into this...

As you can imagine, my husband Hugh loves exercise and weight training. For the past year or so, I have really struggled to enjoy it. The reason for this is because I love lifting heavy weights (not piddley weights for high reps). I had lost so much muscle while I was pregnant, that it took awhile to build up again, During that time, I was lifting lighter weights and more repetitions. To me, I might as well be sitting watching cars go by and yawning. I was bored. Yet, I couldn't lift any heavier. After having a c-section my core just couldn't handle it. I persisted through it and have gotten to the point where I can lift heavy again (yay)!

When I lift heavy weights, my training sessions are very different. I have more sets and less repetitions. I go hard and go home. Each movement takes my focus and concentration and at the end of my workout, I feel pumped and like I have achieved something. This is what I love! I get excited to get into the gym again. Each time I'm there, i'm looking to break my previous records by lifting heavier each time. I amaze myself that I am able to get better every time. There are so many reasons I love training this way, but it's not for everyone, which is my point.

One of my good friends and a client of ours is constantly looking at the record board and wanting to beat my records. For her, training heavy is brutal and not something she particularly loves, but the idea of doing 500 squats seems like a great challenge to her. To me... sounds like one of the worst ideas in the world. (Yes, 500 squats is a record on the board by one of our clients.)

Some people like to and feel better for training for endurance and some for more short term bursts of energy. Some people like walking, some running.

If you are struggling or bored with your weight training or if you are not getting the results you are after through the exercise you are doing, then do something different. My workouts change EVERY TIME I train. This is crucial for getting great results.

Personally, if I was in a gym, running on a treadmill or lifting weights a few times a week and not getting results, I would get bored and stop going. If you are going to go, make it worth your while. Just a few tweaks may make all the difference.

We look forward to hearing from you and seeing you get your beach body this summer.

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No Strict Diets
Tuesday, December 21, 2010 | By Keri Norley

Are you one of the people who doesn't want to lose weight because it will mean you have to go on a strict diet?

I can completely relate to that. I hate diets and don't like being restricted. What I love about what we teach is that depending on the level of results you want, you don't have to restrict yourself with everything.

Instead of thinking about restricting your diet, start to think about adding in healthy whole foods. The more good foods you eat, the less of the others you will want.

Make sure you are eating protein at every meal. Toast and jam doesn't have protein and neither do most cereals. At breakfast, eat eggs. Yes... you do have time. Hard boil them when you are making dinner the night before. You can also make a quiche on the weekend that will last you the first half of the week (very easy to make). Your other option for breakfast... leftovers! Who says you need to have cereals or eggs in the morning?

If you want to have porridge for breakfast, make sure you add some protein sources to it. We add some protein powder to ours as well as LSA and coconut flakes for some added fat.

At lunch and dinner, make sure you have some protein and vegetable. Snack on fruit, nuts, cheese, or other protein throughout the day.

Commit to increasing the amount of protein and vegetables you eat in your diet. Then if you have a piece of chocolate or a packet of chips in the day, don't worry about it. If you feel guilty about it; that will take away from the experience and generally speaking make it worse. It's that horrible spiral then, isn't it? I had one bad thing, so I might as well have a bad day.

If you can stop that behavior... you are on your way to eating healthy as a lifestyle choice, loosing the fat and keeping it off.

So for now... concentrate on increasing the healthy foods you eat and not worrying so much about the other stuff. You will start to crave the healthy stuff the more and more you eat it. And the pasta, bread, chips, etc... you will look at and not want to eat it. I know it sounds crazy, but I have helped lots of people do this and have changed myself. You can do it too.

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Taking Your First Step Towards Fat Loss
Friday, December 17, 2010 | By Keri Norley

Losing fat can be easy...

In the past few weeks, I have been speaking to quite a few people who are scared about taking their first steps towards losing the extra fat that has piled on. When you know what you are doing, losing fat can be easy.

If you are stopping yourself from losing fat, then you must identify what it is that is holding you back.

Are you short on cash and scared it will cost a lot? Have you "done it before" and it was hard? Are you scared of doing the exercise because you are unfit? Or are you like most people and you just need more information?

In this wonderful world we live in... there are ways to get information for free everywhere. The problem with that is... If you compile a whole lot of info without having consistency, you will most likely end up getting haphazard results.

I know for myself... when I started learning internet marketing, it was the same. We gathered info from a ton of different reliable sources and tried implementing lots of it and got little in the way of results. When we invested in a coach, we stuck to one plan and did everything he said and we finally started to make money.

In life, when you do something consistently, you get consistent results.

Once you figure out what's holding you back... take the necessary steps to get over it.

Are you not exercising because you are unfit? It won't get any better if you sit on your butt for longer! You have to start somewhere, so just start. Do something. Walk up the stairs at work instead of taking the elevator. Walk, lift weights, swim... Do something you enjoy.

By the way... when you start exercising again... it should hurt. You should push yourself while your exercising. You should feel puffed. Then you should feel sore later. If you don't, you probably aren't training hard enough. I personally love the soreness and know I'm doing something good for myself when I get it. Make sure you get the good soreness, not the hurt yourself soreness.:)

If money is the issue, ask yourself what it will cost you not to take care of your health. If you are overweight, not exercising or eating a healthy diet this can result in serious health problems that can costs thousands of dollars to fix, if you can do anything at all. You could be spending lots on medications or could even be off work and not making any money at all.

Personally, I'd rather invest in myself to stay healthy rather than "fixing" being sick.

If it's education you need, ask the experts. At Targeted Fat Loss, we specialize in helping you lose fat. It's what we do all day every day. We can teach you about nutrition, mindset, exercise and so much more.

If your list of excuses is long and yet you know you are ready to commit to losing fat please be in touch with us to help you take your first steps.

A mentor recently said to me about getting over one of my fears... "The parachute only comes out when you jump". Clarinda Tivoli. Sometimes you just need to take the first step, jump in with utter abandon and know that the parachute will open and you will land... But first you must jump out of the plane.

So who's ready to jump?

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Fix our health system!
Monday, October 04, 2010 | By myneurotica

 

Please make your voice be heard!    

Let our legislators know we want action! 

Once again Congress has failed to permanently repeal the Medicare physician payment formula that will cause a drastic 23 percent payment cut to doctors who care for Medicare and TRICARE patients. These cuts leave access to health care for seniors, disabled and military families hanging in the balance. The time to act is now. This vicious cycle of short-term delays that increase the size of the cut and the cost of reform for American taxpayers must come to an end. Make your voice heard. Once again Congress has failed to permanently repeal the Medicare physician payment formula that will cause a drastic 23 percent payment cut to doctors who care for Medicare and TRICARE patients. These cuts leave access to health care for seniors, disabled and military families hanging in the balance.

The time to act is now. This vicious cycle of short-term delays that increase the size of the cut and the cost of reform for American taxpayers must come to an end.

Once again Congress has failed to permanently repeal the Medicare physician payment formula that will cause a drastic 23 percent payment cut to doctors who care for Medicare and TRICARE patients. These cuts leave access to health care for seniors, disabled and military families hanging in the balance. The time to act is now. This vicious cycle of short-term delays that increase the size of the cut and the cost of reform for American taxpayers must come to an end. Make your voice heard. Make your voice heard.

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