According to the Merriam-Webster Dictionary, “consistent” means:

marked by harmony, regularity, or steady continuity

Being consistent is the only way I find time to exercise. I marvel at my friends who have the discipline to exercise three times a week. I’ve tried numerous times but can’t do it. I end up exercising the last three days of the week. And sometimes — well mostly — I don’t go at all. I postpone until the next week – vowing to make it to the gym at least three times. I find more excuses not to exercise than to exercise. Don’t get me wrong, I enjoy exercising – once I’m there. But to go to the gym, takes an enormous amount of motivation.

For that reason, I have to exercise every day. Each day, I’ll do something different – alternating between cardio and strength training. But I need to exercise every day or else it doesn’t get accomplished. Interestingly, when I know I have to do it every day, there’s less excuses. It becomes the norm to just go to the gym. It becomes a habit.

As I’ve found, you need to tailor your fitness schedule to work for you – what works for your friend may not work for you. Be honest with yourself about your schedule. Even if you can only break for a 15-minute walk every day, that’s better than doing nothing. Staying physically fit will save on future health care expenses – so get moving! Click here to sign-up for our monthly email filled with tips for your money + life.



Niv PersaudNiv Persaud, CFP®, CDFA™, CRPC®, is the Founder of Transition Planning & Guidance, LLC. Life is more than money. It’s about living the lifestyle you want and can afford. For that reason, Niv consults with clients on money, life and work. Her approach capitalizes on techniques she learned throughout her career, including as a management consultant, executive recruiter and as a financial advisor. Her services include spending plan, financial plan, divorce financial review, life strategy and professional progression. Niv actively gives back to her community through her volunteer efforts. She believes in living life to the fullest by cherishing friendships, enjoying the beauty of nature and laughing often — even at herself. Her favorite quote is by Erma Bombeck, “When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say ‘I used everything you gave me’.”