How Healthy Living Can Save You Money in the Long Run

We have much to say about our sick society. For starters, health costs are the leading cause of bankruptcy today. As such, healthy living does not merely want, it’s something we need to do. Here’s how.

Want to Save More Money? Why Not Live Healthy?

Ever heard of the catchphrase, “Health is wealth?”

Its literal meaning may only become evident to you if you have to deal with running medical costs. Do you know what the number one killer is in the United States?


An unhealthy lifestyle not only adds up to more patients in hospitals but also leads to more graves. To put this into perspective, obesity is the leading cause of type 2 diabetes. By 2005, the US spent an average of $190 billion in obesity healthcare expenses. Add the value of lost work, higher insurance charges, and decreased wages, and you have yourself a hefty bill to pay for those extra pounds.

At the heart of it, we have our lifestyle to blame. That includes our diet, sedentary lifestyle, entertainment choices, and the likes. That means that minor intentional changes in lifestyle will save you big dollars and increase the country’s productivity.

As people are becoming more health-conscious, it’s imperative to inform the public on the benefits of healthy living. We witnessed more people taking out easy $100 online loan for productive purposes that preserved health during the pandemic. A solo trip out in nature far supersedes a weekend of Netflix and chill. That’s a positive step in the right direction.

This article aims to emphasize why healthy living is important in regards to costs. Are you ready to embrace these impressive lifestyle changes?

1. Water is Life

For the longest time, we have heard the traditional advice that we need to consume eight glasses of water daily. But that piece of advice appears to escape the attention of most people. The typical American drinks 1.07 liters in a day or 3.9 cups – that’s barely half of the baseline. Don’t get us wrong: 8 cups is not a magic number that everyone should subscribe to.

The thing is, our bodies consist of up to 70% water. To keep that level constant, rich, and healthy, you need to regularly drink water, which improves healthy living. You’ll obviously need more water if you are on regular exercise. Cut down on the sodas, juices, and other fluids; opt for clear water. More sugary drinks mean more weight.

2. Healthy Living Involves Sacrifice

Sacrifice may come in many forms but may eventually save you money and lead to a healthy life. For instance, you may need to work on balance to find time to spend on rest and with your family rather than on work. You may think you’ll earn less in the long run, but you end up preventing challenges such as burnout, stiff neck, muscle cramps, and the list goes on. Such problems will make you less productive or force you to take some compulsory time off work. Prevention is better than cure.

Sacrifices may also mean doing away with certain enjoyable habits regardless of how attached you are. That just happens to be our next point.

3. Healthy Living Involves Less Rather than More

If you still struggle with healthy living means, then this would be a simplified answer for you.

Start doing fewer things harmful to your health and choose better habits. For instance, if you have a snacking habit that forces you to always have food in secret containers out of everyone’s reach, adopt a diet that promotes satiety mixed with intermittent fasting.

If you have a lousy smoking habit, you probably know about all the detrimental factors related to lung cancer. But did you know you could save as much as $2500 a year if you quit smoking? That’s enough notes in your wallet to secure a competitive life insurance policy for your family.

Still, want to see how less means healthy living for you? Suppose you’re addicted to entertaining yourself through video games. In that case, you’ll need to spend an average of $60 on each new release. There is also the $300 that went to purchase the console. Not to mention the lump sum that goes into buying a classy gaming setup (roughly $1000.) That’s one expensive habit you can honestly do without. What’s worse, it promotes sedentary living since gaming is addictive.

Can healthy living become an obsession? Do let us know in the comment section below.

4. Healthy Living and Food

This is perhaps one of the most critical factors to consider when addressing healthy living that promotes cost-saving.

You’ve probably heard the phrase, “You are what you eat.” We’ll take that a step further for meat lovers, “You are what you eat.” In other words, you need to be conscious of both what you eat and where you source it from.

If you’re addicted to Domino’s pizza, Reese’s peanut butter cups, and fried chicken and chips from your favorite stop on your way home from work, then we need to talk about healthy living and nutrition. You end up spending so much on these addictive foods, and you slowly feed the addiction beast. Each bite makes it harder to adopt healthier recipes. If you must have pizza, then learn to make a healthy one at home. It doesn’t have to be complicated.

Next, work on lowering your average weight. Food plays a vital role in it. With a simple diet change, you don’t have to struggle with healthy living and fitness if workouts don’t work for you. Being overweight increases your likelihood of falling into a myriad of illnesses, including cancer. That’s why insurers will charge you up to 50% more if you don’t fall within the ideal weight category. Moreover, you’ll need to spend so much more on changing your clothing if you experience frequent weight fluctuations.

In all earnestness, eating unhealthy may or may not get you fat (which is bad business for you.) You may not be chubby, but because of aggravated insulin levels in your systems (again, because of diet), you become prone to the ailments such as diabetes. It’s a darn expensive affair to be sick in America.

5. Healthy Living Saves on Insurance

Do you know why your insurer asks for a medical examination when you opt to apply for health or life insurance?

That’s a no-brainer. Living with a pre-existing condition will generally make your insurance way more expensive. That’s a tough bone to chew in a country where the grand majority are underinsured.

The vice-versa holds; the healthier you are, the fewer doctor visits you need. The lower the premiums you pay. And most importantly, you don’t have to worry about outrageous out-of-pocket costs.

What are healthy living habits that you can integrate into your schedule to save you money, live longer and healthier?

6. Healthy Living and Workouts

Let’s face it; we are moving towards a more sedentary lifestyle. Sadly, this is eating into our health and wallets. Experts estimate the costs to be as high as $8200 each year per person. That’s scary, to say the least.

Inactivity and its effects creep in like a slug. The movement may be slow, but sure. You won’t experience any challenges in the first year. Perhaps you’ll be excellent during the second and third years too. But eventually, you’ll pay the price for moving less.

Healthy living and exercise are especially of utmost importance in our modern society where more and more fancy working from home.

More exercise may gear towards lowering your weight. Healthy living activities such as walking and biking may do wonders in reducing your transportation costs. Your insurance provider will also charge you less if there is less mileage on your car record.

You don’t need a gym membership to be healthy. If you can afford it, well and good – but take it easy to avoid overworking yourself. If you can’t, you have within reach the best gifts nature could ever give you for proper exercise – your body weight. We can work with that.

Winding Up

Healthy living is a personal affair in as much as it affects us as a community and nation. We all have a role to play and not because it’s economical to be healthy. But instead, we should promote a healthy society because we end up living richer, fuller, and more fulfilling lives. Remember that healthy living encompasses our mental, physical, spiritual, and emotional selves.

What healthy living habits that save money do you have up your sleeves? The community would love to hear your ideas in the comment section below.


Daniel Miller is an experienced specialist in the business and financial area. Daniel has also worked as a financial advisor at a bank and provided consulting and advice about budgets, savings, insurance, stocks, retirement funds, tax advice, etc. He is currently doing specific research on the topic.