Mediaplanet spoke with Kelley Keehn, author, personal finance educator, and consumer advocate for the Financial Planning Standards Council about how readers can develop a financial fitness plan to save big.

1. Weigh in

Just like getting in shape physically, you have to be real with yourself and figure out where you stand. The same is with your finances. Open your credit card statements, know your interest rates. What are the details of your mortgage? Do you have an employee matching program? What’s in your RRSP and TFSA?

2. Count your financial calories

Whether you’re earning $50,000 a year or $250,000 a year, if you’re blowing every cent you’re bringing in, you can’t build wealth. Track your spending with your family and see where you can trim the fat. It’s not about sacrifice, it’s about choice and awareness. But you have to see where it’s going. Then, you can decide where you consciously, mindfully want it to go whether it be it for savings, debt repayment, or a vacation.

3. Build a team

Lastly, if you’re serious about your health, you’re likely thinking about getting a personal trainer, nutritionist, or shopping for a new family doctor. In the same way, you don’t need to suffer alone with your finances.

A CFP can help you every with every stage of your life. Find one at You’ll also find lots of resources at