12 week Healthy, Wealthy and Wise Challenge

What do you want to achieve by the end of the year?

I realised recently, many of my good habits have slipped and while I love my life, I am no longer performing at a level I am used to. I love the life I have and am extremely content with it. I am so close to exactly where I want to be though it seems odd I haven’t pushed myself to get there.

To get into gear, I set a personal challenge to finish off the year – a 12 Week Healthy, Wealthy and Wise Challenge. It finishes December 18th, 2017.

Health – my health in general, as well as being a toned, flexible size 10 (currently a size 12).
Wealth – saving specific amounts for specific purposes.
Wise – expanding my knowledge by finishing my pile of books, doing some classes and teaching myself things I want to know.

This came about because my best friend wanted to do a 12 week health and money challenge. I accepted and have adapted it to suit my needs. We are doing it at the same time and are quite excited.

Don’t stress though, I will not be sharing yoga poses, healthy food or fitspo on Instagram etc! I do share my life, but let’s be real, that’s not my style.

I do need accountability, so once I have my before pics and the dexascan results, I’ll share. If I love the workouts I’m doing, I’ll share them as well. There will be updates between now and when the challenge finishes, but the focus of this site will still be about ways to make and save money. Keep reading to see exactly what I’ll be doing.


My size has fluctuated between a 10 to a 14 for years. I am happiest when I am a 10. For most of this year, I have been a 12. I don’t care what weight I am on the scales, I care more about how I feel in my clothes.

My specific health goal is:

To be a fit, toned, strong, flexible size 10. I do not need to be fully defined or have a 6 pack, I simply want some tone in my body. With flexibility, ultimately I want to be able to do the splits because I never have and am positive I could. I do not anticipate that to happen in the next 12 weeks, I do expect to be more flexible. Currently, I am one of the least flexible people I know, I’ve had two kids and my stomach reflects that. I can’t run 5km or do a proper push-up.

To measure my goal:

We took our photos yesterday. I put on a bikini which fit perfect last time I wore it, now it’s a little tight. I don’t have the photos as they are on my friends camera. I will share later though. They were taken with a newspaper to prove the date. It pains me, the Tigers are on the cover for the upcoming finals and I go for Geelong!

I am measuring my body e.g. calf, thigh, hips, waist, chest, shoulders, arms, neck.

I have a dexascan booked for tomorrow morning to check my body fat percentage. I don’t really want to know! I need the baseline though.

What we will eat:

It is essentially protein the size of your palm with loads of veggies for 3 meals a day. You can have some butter, avocado, almond butter and similar fats. as well. Snacks a few times a day of either almonds, 30g cheese or dark chocolate.

As boring as this sounds, it can be stirfry, meat and salad, roast vegetables, frittatas, ‘zoodles’ (zucchini noodles) and so many other meals.

2 cheat meals a week are allowed as well.

After the first 3 weeks, we increase how much we eat plus add fruit and are allowed 3 cheat meals a week then.

We are drinking 5L of water a day or mostly water and some kombucha or tea in my case. To see how much water you should be drinking per day take your weight in kg then divide it by 0.024. The answer is how many millilitres of water your body requires each day.

If you are exercising, in hot weather or eating a lot of protein, you need more.

My exercise:

I have not joined a gym, yet. I am considered the one near my kids school. For now, I am using a few YouTube videos I found and like for routines.
– I already walk everywhere and take the stairs (I live in an apartment block)
– Daily yoga
– Daily stretch routine
– Full body workout 3 times a week


I tend not to be the best sleeper. I know I sleep better when it is completely dark and no noise. I bought an eye mask, earplugs and set a night alarm to tell me to get ready for bed. Goal is into bed 9:30pm, asleep by 10pm.


During this time we have a dinner for Collingwood (can you tell we love AFL?), I am also speaking at FinCon in Dallas so have the extra challenge to travel, a conference and all that entails in that. The plan is to stick to this as best I can and increase the exercise.


I have kept fairly quiet about a few big expenses lately. I have large finance goals and have moved to a stage of my life where time is a priority so I outsource tasks where possible and focus on increasing my income, as well as wealth in the time I have.

Here are my finance goals:

Legal Fees

Potentially the largest goal/expense I have right now is legal fees for full custody of my daughters. It has been a long time coming and is finally happening. It is not something you have to pay for upfront nor in one hit. It has progressed well and I am hopeful it won’t be as expensive as originally thought. My goal has been to have the full amount in cash for it, thus avoiding a loan.

No Spend Challenge

I mentioned this in the 21 Day Money Challenge. In November, I will be doing a 31 day no spend challenge. No spending on anything unnecessary/non-essential items. Essential items are rent, travel, groceries (not treats) and any bills that come in. Non-essential would include cafe items, picking something up at the airport because I am bored (I fly out of Dallas Oct 31, arriving in Aus on Nov 2nd).

It’s an interesting exercise. You begin to see where you spend small amounts of money without noticing it. A No Spend Challenge also helps you get more creative, spend less and break any spending addiction you have.

Increase income and save all extra

I plan on increasing my income by a specific amount and saving the extra above how much I earn now. An overseas holiday, veneers, laser eye surgery and a few other things are on my list in the next 6 to 12 months. The income increase is to cover it all and more. I live below my means, so the next step for me is to continue to increase my income. I won’t share the exact amount here. When I achieve it I will and I will share how I did it.

Sell off everything

I have some items I have been meaning to list, need to clear out my daughters room and sell off stuff they no longer need (this is done with them) plus have a few things left to sell for a friend. I won’t be buying things to resell for a while as I have a few other large projects I am working on. If you want to make money selling things or buying things to resell, check out how I’ve made over $10k a month doing it.


I have loads of books I intend to read then don’t. I have podcasts to listen to. I enrolled in a course then because of work had to cancel. I have things I want to learn and be able to do.

Book in the course

Switch the course to private lessons. I can’t attend the classes they have for the rest of the year so have switched to private lessons.

One book a week

Ideally, I will read more than one, one is my minimum though. The books on my list are:
Not Just Lucky by Jamila Rizvi – I was given this book and devoured half on a flight. Loved it, then got home and haven’t been able to finish it.
Get Rich Lucky Bitch by Denise Duffield-Thomas – another book I got halfway through, then left it in a handbag and forgot about it! It was great while I was reading it.
Tools Of Titans by Timothy Ferriss – I love his podcast, lived a slow carb life for a while after reading The 4-Hour Body and The 4-Hour Work Week was one of the books I first read when I went into business for myself. I can’t wait to get into Tools Of Titans.
The Barefoot Investor by Scott Pape – I read this a while ago, but am going to read it again.
You Are A Badass by Jen Sincero – I tried with this book, so many recommended it but I struggled to read it. I am halfway through it and hoping to finish it soon.
The Five People You Meet In Heaven by Mitch Albom – I loved Tuesdays With Morrie so anticipate I’ll enjoy this.
Daring Greatly by Brene Brown – I plan to read more of her books. This is the one I chose to start with.
The 80/20 Principle by Richard Koch – is about the secret of achieving more with less. I picked this up at the op shop a while ago with the intention of reading it soon.
Start With Why by Simon Sinek – I like his articles, his videos and interviews I have seen him in. I know our why is important, so am looking forward to this book.
Like A Virgin by Richard Branson – secrets they won’t teach you at business school.
The Big Leap by Gay Hendricks – someone recommended it, so it’ll be interesting to see why.
Seven Secrets Of Mindfulness by Kate Carne – I picked this up over a year ago and still haven’t read it!

Some of these I have read before or gotten part way through. Part of this 12 week challenge is to clear the clutter, finish projects (including books!) and get on track. I’ve linked to The Book Depository as that is where I usually order books.


Aside from the super obvious reward of achieving all this, which is the ultimate reward, there are some others and we are locking them in.

Overseas trip

Travel is important to me. The bulk of my travel is for work and I am glad I have created a career for myself where I get to travel. I am undecided where I will go, it is likely to be Vietnam or Thailand and will include seeing a tailor (we have a preferred one in Hoi An) to get clothes.

New wardrobe

I like most of the clothes I own. When I achieve these goals, they won’t fit. I’ll sell them and get new clothes.


There is a specific photoshoot I have wanted for years. I am fortunate my best friend is a photographer, so he will do it for me. I am booking it in the week I complete this challenge as my Christmas present to me.

What are you working on to achieve by the end of the year?

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