{"id":2517,"date":"2021-07-27T20:33:03","date_gmt":"2021-07-27T18:33:03","guid":{"rendered":"https:\/\/evokedigital.co.bw\/blog\/?p=2517"},"modified":"2022-05-12T12:56:21","modified_gmt":"2022-05-12T10:56:21","slug":"achieving-greater-financial-fitness","status":"publish","type":"post","link":"https:\/\/evokedigital.co.bw\/blog\/guides\/achieving-greater-financial-fitness\/","title":{"rendered":"10 tips to achieving greater financial fitness"},"content":{"rendered":"\n<p>Most people are living hand to mouth, salary to salary, and even then, really stretch to make ends meet making financial fitness seem impossible. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Here are some helpful tips for financial fitness.<\/h4>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\"><li>Live beneath your means\u2014This is the first rule to establishing financial independence.&nbsp; Living by this rule will allow you to reach your financial goals faster, and with a lot less stress.<\/li><\/ol>\n\n\n\n<ul class=\"wp-block-list\"><li>Pay off your credit cards\u2014Credit cards are usually the most expensive form of debt.&nbsp; Commit yourself to always paying more than the minimum required on your credit card.&nbsp; You\u2019ll save incredible sums of cash by paying off credit card balances.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Pay yourself first\u2014By making yourself the first \u201ccreditor\u201d paid, you\u2019ll develop solid saving habits that will help you reach your long-term goals.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/sav.jpg\" alt=\"financial fitness \" class=\"wp-image-3179\" width=\"664\" height=\"347\" srcset=\"https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/sav.jpg 1024w, https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/sav-300x157.jpg 300w, https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/sav-768x402.jpg 768w\" sizes=\"auto, (max-width: 664px) 100vw, 664px\" \/><figcaption>Teaching your children to save will help them achieve financial fitness early on in life. Photo by Lamna.<\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/lamna.co.bw\/blog\/2019\/04\/10-top-tips-saving-money-botswana\/\" target=\"_blank\" rel=\"noopener\">&nbsp;Save<\/a> six months living expenses\u2014It\u2019s critical to have a \u201crainy day\u201d fund. For most people, six months of living expenses will provide an adequate cushion to weather most unexpected financial storms.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;Make a will\u2014This is an essential step for all adults, especially those with dependents.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;Seek wise counsel\u2014Don\u2019t try to go it alone when making tough financial decisions.&nbsp; Consider the services of a fee-only financial planner.&nbsp; A top-notch financial planner can help you to establish a lifelong financial plan.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Fund company-sponsored savings plans to the maximum\u2014Through payroll deduction and often tax-deductible contributions, you can accumulate significant savings in company-sponsored plans.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Plan major expenditures\u2014If a house, new car, college education, or other large purchase is in your future, take the time to make a plan to reach your desired goal.&nbsp; A little planning goes a long way.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Educate yourself\u2014Read financial publications and consider taking a course on basic financial management or investing.&nbsp; Community colleges often offer excellent courses on personal finance topics.<\/li><\/ul>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\"><li>Review progress\u2014Every year, list the value of what you own and what you owe. The difference between the two numbers is your financial net worth.&nbsp; Save this list, date it, and compare it to your current year\u2019s progress. You\u2019ll be amazed at how much difference a year makes in your finances.<\/li><\/ol>\n\n\n\n<p>Please check the wealth of practical articles that can help in healthy lifestyle choices on <a href=\"https:\/\/evokedigital.co.bw\/blog\/\">Skymartbw Blog<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most people are living hand to mouth, salary to salary, and even then, really stretch to make ends meet making financial fitness seem impossible. Here are some helpful tips for [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2518,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":false,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[5,9],"tags":[],"class_list":["post-2517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","category-lifestyle"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg","uagb_featured_image_src":{"full":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",500,433,false],"thumbnail":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit-150x150.jpg",150,150,true],"medium":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit-300x260.jpg",300,260,true],"medium_large":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",500,433,false],"large":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",500,433,false],"1536x1536":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",500,433,false],"2048x2048":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",500,433,false],"web-stories-poster-portrait":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",500,433,false],"web-stories-publisher-logo":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",96,83,false],"web-stories-thumbnail":["https:\/\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/financialfit.jpg",150,130,false]},"uagb_author_info":{"display_name":"Tara Michelle","author_link":"https:\/\/evokedigital.co.bw\/blog\/author\/tara\/"},"uagb_comment_info":0,"uagb_excerpt":"Most people are living hand to mouth, salary to salary, and even then, really stretch to make ends meet making financial fitness seem impossible. Here are some helpful tips for [&hellip;]","jetpack-related-posts":[{"id":2491,"url":"https:\/\/evokedigital.co.bw\/blog\/lifestyle\/impact-of-financial-wellness\/","url_meta":{"origin":2517,"position":0},"title":"Impact of Stable Financial Wellness as one ages","author":"Tara Michelle","date":"July 27, 2021","format":false,"excerpt":"While there is recognition and acceptance that healthy aging encompasses body, mind and spirit, many people overlook the influence of financial wellness on an older person's health. After all, money provides access to products and services, and affords people choices and opportunities. Do your parents, grandparents, even older siblings have\u2026","rel":"","context":"In &quot;Lifestyle&quot;","block_context":{"text":"Lifestyle","link":"https:\/\/evokedigital.co.bw\/blog\/category\/lifestyle\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/elderly.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/elderly.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/elderly.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":4171,"url":"https:\/\/evokedigital.co.bw\/blog\/lifestyle\/living-above-your-means\/","url_meta":{"origin":2517,"position":1},"title":"5 Signs That You\u2019re Living ABOVE Your Means","author":"eVoke Digital","date":"October 30, 2022","format":false,"excerpt":"Introduction If you\u2019re living above your means, it can be easy to justify spending more money. But if you aren\u2019t careful and keep on doing what you do, it could mean financial ruin. Here are some signs that might indicate that your finances are out of control: You don\u2019t even\u2026","rel":"","context":"In &quot;Lifestyle&quot;","block_context":{"text":"Lifestyle","link":"https:\/\/evokedigital.co.bw\/blog\/category\/lifestyle\/"},"img":{"alt_text":"living above your means","src":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2022\/10\/signs-living-above-your-means.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2022\/10\/signs-living-above-your-means.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2022\/10\/signs-living-above-your-means.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2022\/10\/signs-living-above-your-means.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2022\/10\/signs-living-above-your-means.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":2508,"url":"https:\/\/evokedigital.co.bw\/blog\/how-tos\/credit-debit-card-is-compromised\/","url_meta":{"origin":2517,"position":2},"title":"Positive Steps for credit\/debit card security is compromised","author":"Tara Michelle","date":"July 27, 2021","format":false,"excerpt":"Credit or debit card fraud is always a great concern, with the ways people hack you growing every day. They are much smarter and sneakier than ever. What can you do if you feel your security is compromised. Here are some basic steps 1. Check your accounts for unauthorized charges\u2026","rel":"","context":"In &quot;How to's&quot;","block_context":{"text":"How to's","link":"https:\/\/evokedigital.co.bw\/blog\/category\/how-tos\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/hacked.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/hacked.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/hacked.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":2110,"url":"https:\/\/evokedigital.co.bw\/blog\/how-tos\/how-to-buy-online-without-a-credit-card\/","url_meta":{"origin":2517,"position":3},"title":"Learn How to buy online without a credit card in 7 easy steps","author":"eVoke Digital","date":"July 3, 2021","format":false,"excerpt":"When you think of online shopping and you want to make a purchase you think of using a credit or debit card to buy online. Did you know you can buy online without a credit card. Here is a list of other ways to buy and pay online without a\u2026","rel":"","context":"In &quot;How to's&quot;","block_context":{"text":"How to's","link":"https:\/\/evokedigital.co.bw\/blog\/category\/how-tos\/"},"img":{"alt_text":"how to buy online without a credit card","src":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/online-without-credit-card.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/online-without-credit-card.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2021\/07\/online-without-credit-card.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":4427,"url":"https:\/\/evokedigital.co.bw\/blog\/how-tos\/reverse-ewallet-in-botswana-south-africa\/","url_meta":{"origin":2517,"position":4},"title":"5 Easy steps on how to reverse eWallet in Botswana and South Africa","author":"eVoke Digital","date":"January 28, 2023","format":false,"excerpt":"Are you in an emergency and need to reverse eWallet quickly? Follow this guide now. The First National Bank (FNB) eWallet is a digital system that allows FNB customers in Botswana and South Africa to send and receive funds through their cellphones. 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Financial planning should include insurance since it offers security and protection to both individuals and organizations. It can be difficult to decide which insurance firms in Botswana offer the greatest goods and services\u2026","rel":"","context":"In &quot;Guides&quot;","block_context":{"text":"Guides","link":"https:\/\/evokedigital.co.bw\/blog\/category\/guides\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2023\/05\/The-top-10-Best-Insurance-Companies-in-Botswana.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2023\/05\/The-top-10-Best-Insurance-Companies-in-Botswana.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2023\/05\/The-top-10-Best-Insurance-Companies-in-Botswana.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2023\/05\/The-top-10-Best-Insurance-Companies-in-Botswana.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/evokedigital.co.bw\/blog\/wp-content\/uploads\/2023\/05\/The-top-10-Best-Insurance-Companies-in-Botswana.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/posts\/2517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/comments?post=2517"}],"version-history":[{"count":3,"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/posts\/2517\/revisions"}],"predecessor-version":[{"id":4063,"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/posts\/2517\/revisions\/4063"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/media\/2518"}],"wp:attachment":[{"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/media?parent=2517"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/categories?post=2517"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evokedigital.co.bw\/blog\/wp-json\/wp\/v2\/tags?post=2517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}