I find that people always like to say that they can't ever lose weight. They eat less also gain weight, eat more of course will gain weight. I think there is a concept that everyone has to understand, that is:
Calories in - Calories out = Calories stored
You can eat lesser and lesser (like 2 salads 1 fruit), lower than what your body needs in a day which is around 2300 kCal. Initially you will see some weight loss definitely. After a while, your body recognizes that you do not need so high metabolic rate and will start to work less and . When you eat more than 2 salads and 1 fruit (not so drastic but you get the point), you will be eating more than what your metabolic rate can handle.. and that is when you gain weight.
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| Starting from the tummy! (Source: Wikipedia) |
Life is so unfair for you to eat so little of the good food and yet gain weight.
What I propose is to EXERCISE! Calories out > Calories in = Lose weight
Of course, saying is easier than doing it. Everyone knows but being so lazy in nature, they rather take diet pills, drink those nutrition package and go for surgery then try out exercise, which will help you to lose weight, be happier, fight off menstrual cramps, look fabulous, gives you a sharper mind.... I can go on and on but you already know and those that don't care, will probably keep tuning off these reasons.
This is my theory and I found
this article and also several others to support it.
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| Not for you! |
To be honest, I am just greedy for sumptuous food and am unable to go on diet. I tried to eat lesser previously but I feel dreadful and hungry and grumpy and just want to be a bitch (Not PMS hor!) Exercise gives you the rush of adrenaline, the post exercise feeling of contentment, the satisfied feeling that you have worked out and head into shower... shiok!
Actually, this is a good correlation to savings (don't you feel cheated by the title haha):
Money in - Money out = Money saved
To get higher savings, you need to either increase your salary or decrease your money out, which is expenses. We cannot increase our salary easily, that is not something we can control besides working harder (also no guarantee =S). The best we can make out of this is to control our expenses.
We need savings in order to invest! In this case, it is Money in > Money out = Savings
This savings is not for shopping or travel or food, but just purely for investing (or emergency funds)! In this case, you have a goal and an idea on how to use those savings. Invest in etf is a good start (see
previous post).
I know there are many out there who have to use up their savings and cannot bear to let it idle. They do not know what to do with the huge sum piling out. So they spend all away. But using it to invest is to get more money out of it, instead of just focusing on short term pleasures! I know, I know, long term is too far away, but at least have a goal to invest it. It takes only $100 a month to invest in the etf, unless you cannot afford it, then that's another story altogether.
I have heard of so many saying "Save for what?" So let's spread the word on this: "Save to invest."
Disclaimer: Not asking you to invest on all your savings either!