happy_familyThe FSB Education program encourages people to make positive behavior changes to simultaneously improve their health and personal finances. Note the emphasis on the words “small steps” in the program title. This is significant because “little changes” can really make a difference over time. For example, 100 fewer calories eaten per day translates into 10 pounds of annual weight loss and $20 a week of savings grows to over $1,000 over a year. One of the small changes that people can make to improve their health and finances is to “stretch” food and beverages so that they simultaneously consume fewer calories and buy things less frequently, thereby saving money. Below are four examples:

  • Water Down Juices – Mix them with water in a 50/50 or 2:1 juice to water ratio depending on personal preference. Not only will you cut calories according to the mixing proportion that you select (there are 112 calories in 8 oz. of orange juice and 107 calories in 8 oz. of apple juice), but you’ll buy juice less frequently. If you purchase 52 fewer cartons of juice at a cost of $3 each, that’s $156 in savings over the course of a year. An 8-oz. glass of OJ has almost 2.5 times the sugar as a typical piece of fruit!
  • Stretch Wine and Cocktails – Let’s say you’re going out to dinner at a restaurant with friends. Order one drink, instead of several, along with a large cup of ice. Your drink will last a lot longer with the ice to refill it and you won’t need to order another one, again saving calories (a 5 oz. glass of wine has 100 calories) as well as reducing the chance of a DWI. Assuming everybody pays for only what they consume, you’ll save money by buying one drink instead of several. If someone elects not to purchase 104 glasses of wine (two a week) at a cost of $6 apiece at a restaurant, that’s $624! For even more savings, you could, of course, order free and zero-calorie tap water with a lemon or lime. You can also “ice down” beverages consumed at home to stretch out your supply, similar to the juice example above. Another suggestion is paying children $1 for drinking water, instead of soda, at restaurants. Like the above examples, the calorie and cost differential savings (e.g., $2.50 for a soda versus $1 payment) can be substantial over time and you are fostering a positive lifetime habit.
  • Bring Home Leftovers – Many restaurants and work cafeterias serve very large portions. When eating out, bring your own plastic containers (it’s more environmentally friendly than taking home Styrofoam) and take half to two-thirds of your meal (depending on the portion size) home for future meals. Again, you’ll save a significant number of calories by spacing out a 1,000 + calorie food portion over several meals, especially when you request that sauces be served “on the side.” Assuming someone eats out once a week and takes enough food home for two additional meals, that adds up to104 meals that don’t need to be purchased because food from a restaurant or cafeteria is already available. At a conservative estimated cost of $4 per meal, that’s $416 in annual savings.
  • Split an Entrée or Dessert – Another way to avoid eating large food portions is for two people to split the calories and cost of an entrée or dessert. Even including restaurant “plate charges” for shared food, the cost savings can be substantial compared to the cost of ordering two separate meals. In addition, two people eat a half portion instead of a full one, thereby halving the calories. This strategy especially works well when you are traveling and taking food home, or even to a hotel room, is not an option. Follow this strategy 52 times a year and save $15 and you’ve saved $780 annually. Another good choice is ordering smaller size and lower cost half-size portions when eating out or using appetizers as a meal.

There are many relationships between health and personal finances including the fact that decisions made in one area of your life (e.g., eating patterns) can affect the other (e.g., food and beverage expenses). This article has identified potential annual cost savings of almost $2,000 from four “stretching” strategies that affect both calories consumed and dollars spent. Perhaps you can think of others.

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Your Financial Strength Score (FSS)

Your credit score (which is what we always hear about) is all about the banks and reducing their risk whereas the FSS is all about you, your security, and your ability to withstand unplanned events!



After you've listed your income and lifestyle in a structured format, the FSS system creates a personalized plan for achieving long term financial goals by designing ways for you to modify your finances so that you can find additional money each month.



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With your membership in the Financial Strength Builder™ (FSB) you’ll be able to take advantage of our easy to follow step-by-step process to get your finances under control and start saving some serious money to build financial strength! We offer 12 sessions in the Rapid Results Roadmap to guide you through the process of building your financial foundation and show you how to continue to grow from there.

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Module 1: Understanding Your Finances

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Building your knowledge and skill with the four foundations



Financial stability depends on a structured process and the Financial Strength Builder™ automates and manages what you make, spend, and save.

The Four Foundations are:

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Financial Strength Builder™ (FSB) was designed in response to today's need for the American household to return to financial well-being, gain access to the best financial deals available, realize your dreams and provide for your future. FSB™ provides you with valuable resources:
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The FSB program guides you along your path to financial freedom and provides the satisfaction that comes from knowing that you are in control of your money. It has everything you'll need to know, in a simple, fun-filled environment, including financial tools, every day bargains and deals, tools to monitor progress, online financial direction, and personal financial training to help you achieve fiscal strength – fast!


Introduction to the Frugality Game™

Overview of the Frugality Game™