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The Hidden Savings of Weight Loss

Posted by mandy on January 19th, 2013

Every January, millions of people share the same resolution; to get fit. Gym enrollments spike, brand new exercise equipment is delivered and sales of healthy food balloon.  Everybody from elite athletes to ordinary folks resolve to improve health with a wholesome diet and regular exercise.

exercise clubOne of the surprising side effects of achieving a higher level of health and fitness is the money saved over the long term.  By losing even 10 or 15 pounds, the chance of developing type II diabetes is reduced.  By returning to a healthy height-weight proportion, many health problems can be sidestepped.

The benefit of avoiding health problems is that healthcare costs over the span of a person’s life will be reduced substantially.

Conditions linked to obesity avoided by achieving healthy weight are:

  • Type II Diabetes
  • Arthritis
  • Hip, Joint, and Back Problems
  • Heart Disease
  • High Cholesterol
  • Impotence
  • Digestive Issues
  • Muscular/Skeletal Degeneration

There are too many conditions to list!

While there may be upfront costs associated with getting healthy, the costs are more than paid back in the long term.  Some people are turned off by the cost of a gym membership, but the skyrocketing costs of healthcare will be mitigated by improved health. For those that carry their own health insurance policies, premiums will be less.

Organizations that provide health insurance to members or employees already see the cost reduction associated with healthy employees. Many offer alternative wellness programs and reward individuals who exercise regularly, eat a healthy diet, and quit smoking.

Costs are Paid Back

Over the long term, all costs associated with getting healthy will be paid back.  So go ahead and invest in exercise equipment or a gym membership.  Make sure that whatever you choose to do for exercise is an enjoyable activity.  Walking, swimming, group exercise classes or even activities like shooting a few hoops with friends are fun ways to get healthy.

The most fun part of getting healthy is when the weight starts dropping off.  A new wardrobe is inevitable.  How fun will it be to buy new, smaller clothes?  Let that be your motivation as you take this journey to better health.

Marilee Moss likes to write about the intersection of health and money.  A retired financial planner, she is also an avid cyclist and runner.  She has written on financial topics like  Money Mutual Montel Williams, investing for retirement, and the rising costs of health care.

Money & Your Health

Posted by mandy on December 21st, 2012

Health and money are two of the most common concerns on most people’s minds but they fail to associate the correlation between the two. While you might not think that health and money are directly related, you couldn’t be further from the truth. Your health affects not only your ability to make money – after all, you cannot work when you are sick or disabled – but it also affects important factors such as your insurance premiums.

health care costsHow Health and Money are related

Keeping yourself in good shape by eating healthy, exercising regularly and avoiding bad habits such as drinking, smoking and drug use can help you save money in the long run. Here are the top ways you can save money all by remaining in good health.

  • Fewer Visits to the Doctor – When you are healthy, you do not have to go to the doctor as often, which can not only save you money on your co-pays but it also negates the need for prescriptions, expensive medical supplies and/or treatments.
  • Lower Insurance Premium – if you have unhealthy habits – namely smoking – you will find that your insurance premium is higher than someone who does not smoke. This is because you are more likely to become ill or experience a decrease in your health if you are a smoker. Quitting smoking not only puts more money in your pocket in terms of not purchasing cigarettes – which have become quite costly – but it will also result in a decreased insurance premium making it a win-win solution.
  • Better Life Insurance Terms – Life insurance premiums are based on your average life expectancy. If you are obese or you smoke, you will find that your terms will be much shorter, and thus your premiums will be higher. Make the effort to be more conscious of what you eat, commit yourself to exercise in order to lose the weight and you will see your life insurance premium decrease. Most beneficial of all, you will not be struggling to get around, breathe or live life to its fullest.

Even if you are a smoker, or you are overweight now, you can still make the effort to turn your life around. Making the commitment to be healthier can also help line your pockets and save you money in the long run.

Andy Marshall is a professional writer whose work appears on numerous blogs and websites.  His writing focuses on subjects related to health, insurance, and the cost of medicine for health blogs as well as financial and accounting sites like


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