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OnTrack - The CareOne Newsletter
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June 2007

Dear Friend,
Dealing with financial challenges can be stressful at times. A great way to effectively manage that stress is to get regular exercise. A lot of people associate exercise with pricey health clubs or expensive organized activities and justify ignoring fitness because they just can't afford it. Exercise doesn't have to cost a lot of money. In this edition of On Track, we'll look at ways to stay healthy and fit without spending a lot of money.
Maintaining a Healthy Lifestyle, While on a Budget

Quick Quote Billions of dollars are spent in the U.S. each year on exercise equipment, dietary supplements, weight loss products and diet programs. With all that money being spent, you'd think that money is a pre-requisite for getting in shape. But a recent study by the American Medical Association indicates 64% of all adults are overweight, so that money is seemingly spent in vain. In actuality, getting fit doesn't have to cost a lot of money. You can accomplish your goals simply by becoming more active and adopting healthier eating habits - and it shouldn't cost you more than a sturdy pair of walking shoes. We've put together some suggestions on ways to get active without putting a strain on your budget.

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Spending StatMember Benefit Services
Spring is a great time of year to get back in shape! Member Benefit Services offers a variety of money saving opportunities for the health conscious such as discounted gym memberships in Online Local Savings and healthy food selections with Grocery Coupons. Be sure to take advantage of these if you already belong to Member Benefit Services! If you are interested in getting enrolled, contact our Customer Care department at 800-437-3336 to find out more!

Ask an Expert

  Hi, I am 23 years old and I have recently started a Full Time Job that I really like. The only problem is, over the past 4 years I have accrued a large amount of debt by going in and out of school (I was studying Elementary Education but decided it wasn't for me) with student loans both private and federal. I now am about $7,000 in credit card debt which is why I am using this program! I just moved back in with my parents to save as much money as possible because I am moving into a new apartment with 2 other girls and I am wondering what I can do to manage my bills and the money I need to be saving for it. I am feeling very overwhelmed and am wondering how I am going to have the means to pay for everything I need AND put myself in good credit standing. I have been trying to only spend money when I absolutely have to. Any help would be great!
- Mexicana717
 

  Good afternoon mexicana717,

Thank you for posting! It sounds like you are well on your way to getting control of your debt. Congratulations on joining the program, I can only imagine that it may have been a difficult choice. Have you done any research on consolidating your student loans? Sometimes that will help by lowering the overall interest rate, and in turn, the monthly payment. Have you put together a budget, and if so, are you following it? Take advantage of your current situation, by living with your parents, which should give you an opportunity to build up some savings before you get the new apartment. It's always a good idea to have two months of living expenses saved up, in case anything happens. We look forward to hearing your success stories!

We look forward to hearing about your success.

Thank you again for posting in the Community.

Rob Taylor
Financial Fitness Coach
 

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Freedom from Buying Brand New (Pricey!) Exercise Equipment - Lots of people start exercise programs with the best of intentions, but don't follow through. You don't want to follow their example, but you can benefit from their lack of willpower. Check out yard sales, or your local Penny Saver or Thrifty Nickel to look for bargains on barely used exercise equipment. Lots of people are willing to part with old exercise bikes or weight training equipment for far less than it would cost new. The point of this Pointer: Look for bargains on exercise equipment - shiny equipment isn't going to help get you in shape any faster.
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See how last month's winner, Angela G., from Mukilteo, WA successfully negotiated the price down on a purchase.
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We all know how important a healthy lifestyle is. Tell us how you keep fit without spending a lot of cash and you could be the winner of a $250 gift card!
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People are talking about the best ways to obtain fresh vegetables - farmers' markets, growing your own, even organic suppliers on the Internet!
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