Navigating A Wholesome Lifestyle On A Budget
It is no secret that maintaining health can have numerous financial costs and many fitness or wholesome living enthusiasts spend a lot of money on food, health products, and the like. The unfortunate consequence is it can be extremely difficult to navigate a wholesome lifestyle on a budget and poorer members of society often struggle.
In this article, we explore why maintaining a healthy lifestyle costs money, what you can do to improve your budgeting, and how to combat issues like bad credit if things go wrong.
Let’s discover how to navigate a wholesome lifestyle on a budget.
Cost of Healthy Food vs Cost of Unhealthy Food
The biggest point of contention when it comes to a wholesome lifestyle on a budget is food. There are many reasons why wholesome food is more expensive:
- Farming processes are more expensive when producing free range/organic produce,
- Ingredients for healthy foodstuffs are more expensive – higher price tags on end products,
- Agriculture is more scalable when cutting corners so more unhealthy food is available, keeping prices lower,
- The cost-of-living crisis and food inflationary pressures.
From the perspective of low-income individuals, it is a no brainer to buy pre-made chicken nuggets at a fraction of the cost than buying the ingredients separately to make them at home.
Many unhealthy foodstuffs are also chemically enhanced rather than using natural ingredients. This is because chemicals are much cheaper to add than naturally sourced ingredients.
Maintaining Other Healthy Habits
Alongside a food regime, healthy conscious people like to live in a wholesome way. Sometimes this saves us a lot of money, for example, smoking and drinking large volumes of alcohol are a surefire way to drain your income.
Other aspects of healthy living, however, often far offset any savings from clean living. Gym memberships and sports and leisure activities often come at a cost. For example, cycling has become hugely popular, but the equipment and add-ons for cycling enthusiasts can easily reach many thousands of pounds.
Outside of fitness activities, wholesome living also encompasses overall health, and individuals who care about their health are more likely to seek out healthcare and health related products, adding another financial component to the budget.
Understanding How to Budget
When budgeting, there are several tried and tested methods. The simplest of which is to calculate your exact income and then track your expenditure over the course of time, normally using an app.
These apps are extremely useful tools as they catch all expenditure, and you might realise you are spending money regularly on products you took for granted in your overall budget.
A common point of expenditure people overlook is the snack or coffee they grab on the way into work each morning. Something that could be mitigated easily by eating or making coffee at home before you leave for work.
Subscription services are so prevalent now that almost any service offers some type of subscription model. These services often add-on to free offerings from providers such as YouTube Premium and Amazon Prime.
When evaluating your subscriptions, you should really consider whether they are necessary and whether the amount you are being charged on an annual basis is equivalent to the level of service you are receiving.
For example, YouTube Premium is £155.88 a year. Although it might slightly enhance your YouTube experience, it is at the end of the day a bolt-on to a free package. It all comes down to that key question; is the annual cost of your subscription worth it?
Avoid Borrowing Money Unless Necessary
We have touched on ways you can reduce your monthly expenditure, but there may also be times when you have done everything you can to balance your budget and still have a shortfall.
This is where most people decide to borrow money.
Borrowing money should never be your go-to option when you find a shortfall in your budget. Primarily, you should revisit your budget and be harsher with your expenditures and live to your means. The short-term pain of being a bit more frugal is nothing compared to the long-term pain debt problems can create.
You should also be looking at ways to generate more money. Cutting back expenditure is fine, but eventually you will want to afford the things you have cut back on. This can be as simple as asking for a pay rise, applying for a promotion, or seeking a new higher paying job.
The general rule is you should only borrow money when you absolutely must, and you should be setting some money aside each month in savings or investments to keep in case a financial emergency pops up in the future.
Bad Credit and Healthy Living
You may be surprised to know that bad credit impacts people from all walks of life. Although bad credit problems are more prevalent in poorer communities, many people we would consider rich have credit issues.
A credit issue is when a lender feels the risk of lending to you is too high. You can be exorbitantly rich but if a lender feels the risk of the loan is too high, you will be declined. You may be surprised to learn many affluent people also have bad credit scores, mostly due to poor money management.
Dealing With Bad Credit for Wellbeing
Bad credit problems are notoriously difficult to cope with and if you are trying to live a healthy lifestyle, you will want to avoid the stress and mental anguish associated with debt.
To tackle bad credit, you should:
- Keep up with monthly payments,
- Clear down credit cards and store cards,
- Restrict further borrowing unless it is absolutely needed,
- Register to vote,
- Make use of credit builder loans, if they are affordable.
Financial Options to Build Credit and Grow
There is now a bad credit comparison website in the UK designed specifically to help those with bad credit find affordable loans and rebuild their credit with credit builder loans.
Always consider your financial goals and your overall budget when considering borrowing and ensure you keep up with any repayments on a credit builder loan. Failing to do so will further damage your credit score.
Pizza Stone Dough Roller Slicer Sauce
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- NO EFFORT PIZZA CUTTER – Stable vertical pressure and large cutting wheel for easy and perfectly controlled cutting process.
- GET THE PERFECT SLICE IN ONE CUT – This pizza cutter will leave you shocked with how easy it is to get a nice, clean cut through your pizza.
- COMFORTABLY FITS IN THE PALM OF YOUR HAND - This pizza slicer's unique design easily fits in your hand and also in your cutlery drawer.
- PROTECTIVE BLADE GUARD FOR EASY STORAGE – This pizza cutter wheel comes with a blade guard to keep your cutter securely stored away when you’re not using it.
- DISASSEMBLES FOR THOROUGH CLEANING AND DISHWASHER SAFE – Take it apart in 3 simple steps and put it in the dishwasher for thorough cleaning.
- EXCELLENT TEXTURE AND FLAVOR: Perfect for New York Style pizza or rolled thin and crispy, Weisenberger’s creates a deliciously chewy dough with enough strength to hold your favorite toppings.
- HIGH QUALITY INGREDIENTS: Weisenberger mills the flour used to make the pizza crust mix on site, as it has since 1865, to create a high quality and delicious pizza flour.
- SIMPLE TO MAKE: With two types of flour, salt, and yeast combined in perfect proportions, Weisenberger Pizza Mix is easy to use: just add ½ cup hot water, let rise, and bake.
- CONVENIENT SIZE: One 6.5 oz package makes a mouth-watering 12 inch pizza, or a 14 inch thin crust perfect for homemade pizza night! This listing is for a 12 pack.
- MAKE MORE THAN PIZZA: Weisenberger Pizza Crust mix is versatile enough for more than pizza. Create delicious breadsticks, calzones, cinnamon rolls, flatbread, and more!
- Measures: 7.25" x 4.5" x 1.25" / 18.5cm x 11.5cm x 3cm. Large roller: 4.125" / 10.5cm. Small roller: 2.5" / 6cm
- To help achieve a perfectly cooked crust, it needs to be of a uniform thickness. The Norpro Pastry/Pizza Roller is the perfect 2-in-1 tool for pies, cookies and pizza dough!
- The large roller smoothly rolls out dough, creating a uniform crust. Easy to use on your pastry mat/cutting board or directly in the pan!
- The small roller makes it easy to fill in dough to the edges, smooths edges and sides, and ensures uniform depth around the inner rim of the pan.
- Also ideal to crush nuts, crackers, cookies and bread crumbs!
- BEAT THE HELL OUT OF FORK – So much easier, faster and more fun than using a fork. Also not deep like a fork. Docking is the process of creating small vents in dough to prevent it from blistering and rising in large, uneven pockets during baking. The docker does take the guess work out of docking, however, since you don’t need to wonder whether you’ve added enough holes to your dough or whether it is evenly marked.
- TIME-SAVER AND LAST FOR YEARS – A dough docker is one of the stranger looking tools that you might find in your kitchen. Dough dockers are used to knock air out of your dough once it has been rolled. The dough docker will create numerous puncture holes in the dough to ensure there are no air gaps in your pizza base once it is cooked. Taking the 10 seconds to dock your dough prior to baking could save you several minutes later when it comes to popping bubbles throughout the baking process.
- NOT ONLY FOR RESTAURANT BUT ALSO FOR HOMEMADE – Generally this commercial pizza dough roller is used in the commercial pizzeria restaurant because of its speed of use. This could also be used for the homemade pizza gourment. This docker is used to easily and quickly allow bakers to dock dough just by rolling over the spiked portion back and forth with firm pressure over dough.
- PIZZA, PASTRY, TART, NAAN, PIE, FLATBREAD BUT NOT COOKIES – Pizza dough, Pastry dough, tart dough, naan bread, flat bread and pie crusts are some of the most commonly docked dough because bakers typically want them to bake as evenly as possible (particularly if there are toppings or fillings involved) in the oven. But for cookies it is a little big.
- BUY ONE GET THREE – Buy it right now, you will not only receive a dough docker, but also a pizza cutter and a pastry scraper within a beautiful gift package. You can use them all in the whole process of making pizza. Firstly, cut the dough with pastry scraper, and then roll dough docker on the dough. Lastly, cut the pizza with pizza cutter. They are also thoughtful gifts for lovers of baking.
- Size: The pizza stone measures 15" X 12" X 0.6", Golden thickness(15mm), weighs up to 6.7Lbs. Come with a free pizza peel board(11" X 15.6" x 0.35")
- Material: Made of 100% all-natural FDA-safe Cordierite stone, it is no smell and excellent thermal shock resistance. Heat-safe up to 1112°F(600℃). It could distributes heat evenly for optimal cooking, much more efficient than metal
- Multipurpose: Besides baking the fresh or frozen pizzas, this pizza stone set can be used for many other culinary explorations. Perfect for bread, cookies, stuffed calzone at home
- Clean: Scrape off any excess food with a spatula before clean. When the stone has cooled, run it under warm water while scrubbing with a brush. Never use soap or detergent on a stone, which will leave a soapy aftertaste
- After-sales Service: If you receive damaged stone or have any questions about quality and instructions during use, please feel free to contact us
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