Are you pleased with your level of fitness? Can you work on a few things?

Sit down tonight with your favorite INEXPENSIVE bottle of wine (insert beverage of choice) and go over your finances. Friday is the perfect day because any information learned during your power session will help you kickstart the weekend. You will have a clear snapshot of where you stand financially.

No big splurges, no ridiculous spending and no blowing the budget at Target. Once you assess your level of financial fitness, can you send additional money towards a debt? If so, do it! Once it clears the account, you’ll start your Monday feeling awesome. Can you pump up your savings? Do that too!! Try not to spend any money this weekend unless it’s for mandatory household items. Make a list and check it twice. Can you do some spring cleaning on the budget? De-clutter your finances and feel the burden begin to lift.

When you have those moments comparable to a runner’s high, the last thing you want to do is spend money on a Friday night out, Saturday shopping, or Sunday Funday. What’s the return on that meaningless investment? You wasted time and hard-earned cash.

It’s the end of the first quarter. You might not have been fiscally prudent or a sound steward of your money but it’s not too late for a paradigm shift. Are you taking care of your financial health? What can you do today to lose the weight of debt and build the savings muscle? Be realistic – it’s like cellulite and muffin tops – your debt won’t melt away unless you take action! Approach it with the mindset to win and you will be better off in 2014 than ever before.

Now that’s dripping sexy…