Losing Weight and Getting Out of Debt: How They Are Basically the Same Thing

Many people scoff at the principles of weight loss as being “not for them” or “just too much work”, and they start looking for shortcuts. But the rules of weight loss become particularly difficult to ignore when you think of “extra weight” the same way you might think of it as being in debt.

It’s pretty much common knowledge that people who want to settle their debts.

To get out of financial debt you MUST:

  1. Admit that your financial situation is the result of decisions you make and actions you take every day. Understand fully that you are the one who created the problem. Now it’s your job to fix it.
  2. Stop over-spending. Immediately.
  3. Carefully plan (budget) all future spending.
  4. Carefully distinguish between things they NEED vs. things they WANT.
  5. Know that things are going to happen that you didn’t plan for. Be ready.
  6. Stop impulse-spending. If it’s not in the budget, you don’t buy it.
  7. Realize that to “pay it back,” you must spend a lot less than you make.
  8. Understand that getting out of debt means making sacrifices. Maybe you need to live with the generic-brands at the grocery store for a while.
  9. Acquire some basic skills and education around managing money.
  10. Understand that giving in, even for “just one day”, and going back to old spending habits, will cost you. Big time.
  11. If you DO give in and break these rules, you must immediately get back on the wagon, or the problem is just going to get worse and worse.
  12. Realize that there are ways to optimize getting out of debt. There are tools you can use. There are strategies you can use that work better than other strategies, but the fundamental rules above will always apply.
  13. Never go back to doing what got you into debt. You CANNOT spend more money than you make. Ever. Or the debt starts piling up again.

Why, then, do people balk at these same ideas when they’re applied to weight loss? Just like getting out of debt, there are NO shortcuts. It sucks. It requires sacrifice. And we all got into this position by over-indulging.

To lose weight, you MUST:

  1. Admit that your weight is the result of decisions you make and actions you take every day. Understand fully that you are the one who created the problem. Now it’s your job to fix it.
  2. Stop over-eating.
  3. Carefully plan (budget) all future eating.
  4. Carefully distinguish between things you NEED to eat vs. things you WANT to eat.
  5. Know that things are going to happen that you didn’t plan for. Be ready.
  6. Stop impulse-eating. If it’s not in the plan, you don’t eat it.
  7. Realize that to “lose weight,” you must eat a lot less than your body needs.
  8. Understand that losing weight means making sacrifices. Maybe you need to live with eating something that doesn’t taste as good as a donut.
  9. Acquire some basic skills and education around managing nutrition.
  10. Understand that giving in, even for “just one day,” and going back to old eating habits, will cost you. Big time.
  11. If you DO give in, and break these rules, you must immediately get back on the wagon, or the problem is just going to get worse and worse.
  12. Realize that there are ways to optimize losing weight. There are tools you can use. There are strategies you can use that work better than other strategies, but the fundamental rules above will always apply.
  13. Never go back to doing what made you fat. You CANNOT eat more food than you require. Ever. Or the weight starts piling up again.

So what?

To further the analogy, a lot of people who find themselves buried in debt will spend years (or decades) getting themselves out, only to realize that “old habits” return again, and the cycle of over-spending (or over-eating) starts over. Addiction is powerful.

Once you think of your weight as transactional, similar to finances, it becomes much easier to make the right choices every day. Owning the situation as your own, and understanding that every decision you make has consequences is a vital part of successnot just for weight lossbut for everything in life!