30 Day Shred – Level 1 – First 10 Days

2014 was a great year for me. We did a lot of travelling (New Zealand to visit Jordan’s family, Poland for a friend’s wedding and a road-trip to the East Coast of Canada ), my youngest son finally started sleeping (thank you Good Night Sleep Site!), I got a makeover on the Marilyn Denis show (watch it here) and I turned 30.

But 2014 was also the year that I realized that its been awhile since I was really in shape and looked it. Sure, I was fairly active (its hard to be sedentary when your toddler learns how to walk!) and I even did the Toronto 1/2 Marathon in under 2 hours, but I just couldn’t shake that last 15 lbs that stubbornly refused to budge after the birth of my second son.

It was frustrating because after my first son was born, I lost the weight very quickly – within 8 months I was in my best shape ever, even though I gained over 50 lbs during my pregnancy.

I lost almost 50 lbs thanks to Weight Watchers, breastfeeding and running.

Pregnancy #1: I lost almost 50 lbs thanks to Weight Watchers, breastfeeding and running.

I wanted to feel good and look good. But with two kids and a husband that works very long hours, I knew that a gym wouldn’t be a realistic option for me. I’m not a big fan of the gym either. I much prefer the classes, but the ones I actually want to take never seem to be at a convenient time for me. Plus, gyms are EXPENSIVE and I’ve never been able to make them worth the cost (and you know me – things have to make sense financially for me to pursue them, haha).

I needed to figure out a way to do what I needed to do at home. Running was great in the warmer weather, but any fitness expert will tell you that strength training is equally, if not more, important as cardio.

So when I came across Nurse Loves Farmer’s post in December on how she got into shape doing Jillian Michaels’ 30 Day Shred, I was inspired – and bonus? I actually already HAD the DVD (I bought it at a discount store a few years ago for something like $5 and promptly forgot about it) and some hand weights, so there would be NO financial outlay!

I decided that I’ll start 2015 with a challenge to complete the 30 Day Shred by early February (I wanted to give myself a couple days buffer for rest days and illness).

30 Day Shred – Overview

The 30 Day Shred is made up of 20 minute exercises that comprise of strength training, cardio and ab work (with a warm up at the beginning and cool-down at the end). However, I’d budget about 30 minutes to factor in getting changed into workout gear, setting up the DVD etc. There are 3 levels, with level 1 being the easiest, so I decided to do 10 days at each level. All I needed were some hand weights (weight is not specified) and a mat.

Level 1

Even though this is the “easiest” level, its still a good work out, even for someone who is in moderately good shape already. I was very sore after my first session and even after the 10th session I was still doing the modified push-ups and sweating a lot.

I used 8 lbs weights, which I think is much heavier than most people use from what I’ve read but its all I had (a relic from a 6AM bootcamp I did a few years ago) so I decided to suck it up. I was able to use them for all the strength exercises except the lateral lunge and arm raise – for that I used these 1 lb ball weights that I got as part of a fitness package at some point (and let me tell you, even by day 10, those light weights were killing my arms!).

I quite liked this first level. The session just wizzes by as Jillian varies the exercises a lot and I always feel like I’m done in no time. It made it that much easier to be motivated to do them. I was able to do this level 10 days in a row but I’ll admit I felt a bit tired on day 7 and probably should have taken that day off. I’ll be taking a day off before starting Level 2 and will definitely take one mid-way through it.

My results so far

At the start of the program I weighed in at 160 lbs on the dot and weighed in at 158 lbs exactly 10 days later. I can feel my muscles developing and can especially see more definition in my arms and abs, though I’m not sure the pictures really reflect that. I still have some muffin top left (that is my #1 thing I want to get rid of!) but have high hopes that this will greatly diminish after the 30 days (in Sarah from Nurse Loves Farmer’s post I mentioned before, the last 5 days made the biggest impact).

I combined this program with a modified version of the Atkins diet (and have lost around 9 lbs since starting it in early December). I haven’t cut carbs completely but have, for now, cut bread, pasta, potatoes, rice and any type of baked good or junk food (well, with the occasional “cheat”). I’m actually eating much healthier over all since am eating way more veggies, some fruit but continue to drink a glass or two of wine 4-5 times a week. I’ll have to figure out how to add back some of those more “carby” carbs once I reach my goal weight, but I’ve realized that there will need to be a LOT more moderation involved than in the past. I just don’t have the metabolism to be able to eat those foods too often.

Anyway, without further a-do (is that how you spell that?), here are my before & after pictures from Day 1, Day 5 and Day 10!

 1/3 of the way there!

1/3 of the way there! I can see a little more definition in the abs – can you?

* I do want to mention that my Day 1 full body profile was taken some time in November when I weighed more than 160 (probably 167 or so). I didn’t think to do a full body pic until Day 5 but found that one which I took prior to starting my lower carb diet in December.

Can you afford to be a stay-at-home mom? 5 steps to see if you can.

my boys

Both times when I was pregnant with my boys, I used to visit internet forums where I could chat with other moms and moms-to-be. While we discussed many parenting (and many non-parenting) topics, one topic that dominated was whether or not to stay home after their babies were born.

Now, I’m not saying that all women should stay home and be stay-at-home moms. Some love their jobs and want to get back, some don’t want to lose their momentum in their careers and some just know they can’t afford not to. But all moms will want to take some time off after birth and many want to know how long that period can be – be it a month, a year or several years.

While in Canada we are entitled to a year of maternity leave and many can claim employment insurance benefits, it isn’t a given that everyone can afford to take this time off or if they should from a financial point of view.

So, if you are considering becoming a stay-at-home mom or already know this is something you want, this post is for you.

Step 1 – Update your budget as if you were a stay-at-home mom.

Like with all things financial, its all about the math. So the first thing you should do is delete or adjust the income of the parent that will be staying home from your budget (while I do refer to stay-at-home-MOM, I really mean “parent” since this also applies to dads who want to stay at home as well).

Kasia’s Basic Family Budget – updated template 

Step 2 – Analyze your budget

Next have a look at what this does to your housing and essential fixed cost allocation (so your rent/mortgage/property taxes/insurance). If this amount is now greater than 40%, you CANNOT afford to stay at home – at least not in the current home you are in – whether or not the amount you save on daycare is more than the income you were bringing in (I’ll do a post on this later – because unless you TRULY make a significant amount less than a reasonable daycare costs, this is very short-term thinking).

However, before you call your real estate agent, there are some things you should consider. Even if you are able to find a cheaper home, you need to factor in other costs associated with moving. And I don’t mean the moving truck and pizza and beer for the friends who help you move. But all the ongoing costs that you will incur because of living in a different location, (and not to mention the non-financial factors like amenities and quality of local schools etc).

For example, say your current rent is $1,500/month. You find a place thats $1,200/month and that amount puts you under the 40% threshold. However, you now need to get a second car because the new place doesn’t have public transit close by. Say that it will cost you $300 for a car payment and insurance. So essentially you are in the same financial position because your new car payment and insurance become essential costs.

If you are still under the 40% threshold when you delete your income, great. Now lets consider your other budgets. You have to be realistic. You can’t cut your grocery budget from $800/month to $500/month and expect to stick to it unless you drastically change the way and what you eat. Similarly with utilities – if someone is at home all day, heat, electrical and water will all go up.

Same goes for your “Life” budget. If you have barely any money left over for life, this isn’t reasonable. I constantly hear from moms who think that they can live for free (The library has free activities! The park is free!) but forget that their children will still need clothes and WILL persist in growing out of them, that they will want to play soccer and go to the movies. That birthdays, Christmas will still require presents, washing machines will break, and pets will need to go to the vet . Make sure that you have at least 15-20% of your after tax income available to you for Life.

Next, are you still able to save for the future? I recommend that 20% of your budget goes towards debt repayment and savings. And I feel like once you have children, it becomes THAT much more important to have a good safety net in place.

However, if you are just planning on taking a couple months off for maternity leave (or even the full year) and not making an RRSP contribution for a few months is what will help you pay the bills, I don’t think its a big deal. But if you plan to be a stay-at-home mom permanently, skimping on savings or debt repayment is completely irresponsible.

Step 3 – Make sure your partner is on board

Losing an income and reducing your budget, even if manageable, will require a change in lifestyle. You need to sit down with your partner and make sure that they are on board. You may think that cutting the gym membership, canceling cable and not taking any more vacations is a small price to pay for being able to stay home with your kids, but your partner may not, or at least may not in the long run. Make sure that this is a decision you are making TOGETHER and its not something that YOU want and THEY are giving you. You don’t want them to resent being in a tighter financial situation or the burden of being the single income earner because this will eat away at your relationship. And you don’t want to be in a position where they can hold it over your head with “I make the money, so I get the final say” on every decision going forward.

Step 4 – Start planning – and saving – now

If you run the numbers and it really looks like you won’t be able to afford to be a stay-at-home mom, don’t despair. This is still a possibility, it just may not be one right away. But the sooner you start planning (and saving) to take time off, the better.

Start brainstorming ideas  to still contribute financially – perhaps you can work part-time, get a direct sales job or do some free-lance work if you are able.

Also, look into seeing where you can cut costs. Can you reduce your insurance premiums? Lower your cell phone plan? Stop getting your hair highlighted? If it is important to you to stay home there are some easy sacrifices that you can make that won’t impact your life as much but can be the difference in making becoming a stay-at-home parent a reality.

If you are pregnant, try living on just one income plus what you expect to get while on maternity leave and bank the rest or use it to get the essentials for baby. Is it doable? Easier than you thought or downright impossible? If you have already had your baby or your child is older, do a trial run. See if you can live off one income.

Step 5 – Be flexible and be aware

Spending time with your children is a precious and really, a priceless thing. But the end of the day it is good to be aware of what a major life decision like becoming a stay-at-home mom really means. Some people are ok with going into debt in order to take the whole year of maternity leave. To be honest, I judge this less than someone who goes into debt to buy a luxury car, renovate their kitchen or go on an all-inclusive vacation. Just know what you are getting into and make a plan as to how you will manage it.

But also be open to some compromise. Maybe you can’t afford to be a stay-at-home mom until your kids are in school but maybe you can for their first two years of life. Maybe you can’t take the full year of maternity leave with your first child but perhaps if you plan accordingly, you can with your second.

Lastly, and this is something that I know from experience, whether you end up staying at home or not, remember its the quality of time and not the quantity of time that you spend with your children that really counts.