What is the difference between Financial fitness and Physical Fitness

Heres the the thing: getting your finances in order and losing weight have more in common than you
think. Imagine this: you’re standing in front of a mirror, feeling a bit unhappy with those extra pounds you’ve gained over time. You decide it’s time for a change, time to shed those pounds and get back in shape. At the same time, you’re looking at your bank account, realising it’s not as healthy as you’d like it to be. It’s time to take control of your finances too.

Both Physical Fitness and Physical Fitness require a similar mindset and approach. Let’s break it down.

You need clear goals.

Just like you set a target weight to reach, you also need specific financial goals. Maybe it’s saving up for a vacation, buying a house, or paying off your debts. Whatever it is, having a clear objective gives you something to work towards.

Discipline and Consistency.

Losing weight requires sticking to a healthy diet and exercise routine, while financial planning demands responsible spending, budgeting, and saving. It’s not always easy, but staying committed and consistent is crucial for success in both areas.

A long-term perspective.

You can’t expect to lose weight or transform your financial situation overnight. It’s a gradual process that requires patience and persistence. Quick fixes rarely lead to sustainable results. So, think of it as
a journey—a marathon, not a sprint.

Tracking progress.

When you’re trying to lose weight, stepping on the scale or measuring your waistline can be both exciting and nerve-wracking. Similarly, keeping tabs on your finances, tracking your income, expenses, and investments, gives you a clear picture of your progress. Plus, it helps you make adjustments along the
way if needed.

Mindset and behaviour.

Losing weight and managing your finances both involve addressing your relationship with food and money. Understanding any unhealthy habits or beliefs you have and making necessary changes can make a significant difference. It’s about cultivating a positive mindset and adopting healthier behaviours.

Flexibility and adaptability

Life throws curveballs, and unexpected expenses or weight loss plateaus are part of the game. Being able to adjust your financial plans or tweak your weight loss strategies is essential. Remember, it’s not about perfection; it’s about being adaptable and staying on track despite the challenges.

Education and seeking help when needed.

Just as you might consult a personal trainer or a nutritionist for guidance on your weight loss journey, getting advice from a financial planner or advisor can be invaluable. They can provide you with personalised strategies and support to help you reach your goals.


Financial planning and physical fitness share more similarities than you might have realised. It’s about
setting goals, staying disciplined, having a long-term perspective, tracking progress, addressing mindset and behaviour, being adaptable, and seeking help when needed. By approaching both areas with determination and a positive attitude, you can achieve success and live a healthier, wealthier life.


I am not a financial planner or a personal trainer. The opinions and advice I share in this blog are from my own life experience, and may help you. I encourage you to read widely and consult professional before embarking on any plan suggested here.

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About me

Turning 50 was an unexpected wake-up call. Panic surged through every fibre of my being as I wondered, “Is my youth slipping away, leaving me behind”.

Standing at the crossroads, I realized I wasn’t alone in this whirlwind of emotions. Many women over 50 experience similar moments of self-doubt and apprehension. The truth is our bodies and minds undergo natural changes as we age. It’s essential to remember that ageing is a privilege denied to many, and instead of fearing it, we must embrace a healthy and happy lifestyle over 50.

Using the advice we share in this blog, many women, including me, have found relief and are better able to manage this transition of life and feel more fulfilled both at home, and at work.

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