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Home » Food & Drink, Health, Save Money, Summer of Saving

8 Food Rules to Improve your Health & Save you Money

Last updated by on January 16, 2016

We’ve covered healthy eating/cooking quite a bit already, in the Summer of Saving series.

But I wanted to dive a bit deeper in to preventative health through the food you eat, because it is so essential.

Remember hearing from your parents when you were younger: “You are what you eat?”

Is there anything we’ve learned in life that rings more true than that piece of advice? There hasn’t been for me.

When I was in high school I ate fast food plus school cafeteria food (no healthier than fast food, sadly) 1-2 times per day. The result was I weighed in at a noticeably chunky 210 lbs. as a freshman in high school, my triglyceride levels were off the charts to the point of concern, and my LDL (bad) cholesterol was sky high – enough for my doctor to express concern. The interesting thing was that this is while playing multiple sports and having a daily gym class – so it was not for lack of exercise. It was 100% food.

Meanwhile, my family does have a history of heart disease. Not good. And definitely not sustainable. I was just a kid, but heading for some serious health problems. I needed to take action.

I started eating healthier. And took it to the next level after college. I drastically altered my diet, while maintaining a good amount of exercise. And the result is:

  • I now weigh in at a lean 180 lbs, at 6’4″ (30 lbs. lighter than what I was at half of my current age)
  • overall cholesterol is at 133 mg/dL (less than target of <200 mg/dL)
  • HDL (good cholesterol) is at 51 mg/dL (greater than target of >40 mg/dL)
  • LDL (bad cholesterol) is at 72 mg/dL (less than target range of <129 mg/dL)
  • triglycerides are at 48 mg/dL (less than upper target of <110 mg/dL)
  • I’m not on any prescription medication
  • My doctor applauds my health (knock on wood)
  • I feel great! (most of the time)

I am not a doctor nor a nutritionist. But I attribute 100% of my health turnaround to healthy eating and continued exercise.

When it comes to your finances, if you eat healthy food, you decrease your risk of heart disease, obesity, cancer, diabetes, bone loss, etc., etc., etc. Prevention of these diseases saves you profound amounts of money, in that you it will help you avoid:

  • doctor visits and co-pays
  • costly procedures
  • prescription drug co-pays
  • costly medical devices
  • insurance premium hikes
  • rehabilitation or other consultation costs

Eating healthy is an investment in yourself and in your finances tomorrow. Plain and simple. And what is more worthwhile than that?

But where do you start, if you haven’t paid much attention to what you’ve been eating?

I’ve made a list of common sense food rules that I’ve learned over the years and follow as much as I can. Following these rules is what I attribute my health turnaround to.

1. Eat Organic vs. Chemically Treated Food

healthy foodNon-organic food is definitely less expensive than organic. Why? More yield. It is doused with chemicals, pesticides, and herbicides that produce more yield and greater profits for the producer.

Take strawberries, for example. Most non-organic strawberries are sprayed with methyl iodide, a toxic fumigant that has been shown to cause late-term miscarriages, groundwater contamination, and is used in labs to create cancer cells.

Consider this – if migrant farm workers (to the right), who typically work in the worst of conditions, are given this much protection to spray the stuff, why would you ever willingly ingest it?

The demand for organic food is growing 10% year over year. As the science around the long-term impact of these chemicals grows, I think it’s only a matter of time before organic once again becomes the standard.

It’s hard to put a price on the avoidance of cancer or other serious disease. This is one example where I am willing to pay a little bit more now to avoid much greater health and monetary costs later.

2. Eat Veggies, Green-Leaves, Fruits, and Nuts as Much as Possible

Since the beginning of the human race, we have been eating these unprocessed foods as part of our natural diet because they existed, in abundance, in nature.

It’s hard to argue against something that had worked for so long.

Besides, these foods are loaded with vitamins, good fats, and anti-oxidants.

Eat away.

3. Don’t Eat Processed Foods

When food is processed, it usually has a bunch of unhealthy stuff in it: corn syrup, refined sugar, refined bleached flour, high sodium, and trans fats. In a world where one food study says something is good for you while the next says it will kill you, researchers almost universally agree that this stuff is bad for you.

4. Eat as Little Meat and Dairy as Possible

I’ll throw an exception to this rule if you eat 100% free-range, organic, non-GMO, anti-biotic and growth hormone free meat and dairy.

Otherwise, you are what you eat. And what you are eating is corn-fed, caged, chemically induced, genetically modified, stress hormone filled, dead animal tissue.

And don’t forget that there are immediate cost savings from a vegetarian diet – as meat is not cheap.

5. Occasional Coffee and Alcohol

For a period, earlier in my career, I drank coffee almost every day. And on the days that I did not, my body craved it. I had severe headaches, I felt lethargic, and out of sorts. Until I stopped drinking it altogether and the problem went away.

And the same could be said for alcohol in my college years.

Anything that you put in your body that creates a chemical dependence and withdrawal symptoms in its absence is probably not good for you.

So now I occasionally socially drink coffee and alcohol vs. habitually drink it, and have no withdrawal problems.

6. Never Drink Soda or Juice (that Isn’t 100% Juice)

This stuff is REALLY bad for you.

A can of Coca-Cola, for example, is nothing more than water + sugar (if you’re lucky – most have switched to corn syrup) + caffeine + brown food dye + carbonation + phosphoric acid.

It contains 39 grams (10 teaspoons) of sugar. But we continue to drink it because we grew up drinking it and have some sort of weird connection to the brands.

Would you take a glass of water, add 10 teaspoons of sugar, some fizz, and acid to it and drink it? Then why would you drink Coke?!

Most juice is not much better. 100% juice is permissible, but only on rare occasions. It may be more “natural” than soda, but it is still loaded with sugar.

7. No Fried Foods

Fried foods are loaded with all kinds of bad fats and sugar that can lead to weight gain, diabetes, and other nasty stuff. And if you have to fry it to make it edible, what does that say about what you’ve fried?

8. If it Can’t be Grown Naturally, it Shouldn’t be Eaten

How many times have you picked up some packaged “food”, and you can’t pronounce or have never seen half of the ingredients?

Real food does not come from a chemical lab. It grows from the earth, sun, and water.

Your Wonder Bread contains “azodicarboxamide”, you say? Well, I don’t know too many gardeners who can formulate a chemical compound with the molecular formula C2H4O2N4 in their backyard. They shouldn’t eat it, and neither should you.

Healthy Food Discussion:

  • What food rules do you follow?
  • What changes have you made to your diet that have had a noticeable impact on your health?

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About the Author
I am G.E. Miller, & this is my story. My goal is financial independence ASAP. If you share that goal, join me & 10,000+ others by getting FREE email updates. You can also explore every post I have written, in order.

  • Carla says:

    As Michael Pollan says, “Eat food, mostly plants.” Although it was Dr. Fuhrman and “Eat to Live” that really got me on track. I’ve dropped weight and feel a ton better. I agree with your rules 100%, with the occasional exception for french fries…. No one’s perfect.

  • I agree with you on nearly all of these, and follow some of them all the time and the rest some of the time. We have a CSA and buy from the farmer’s market but buy conventional for the rest of our food (though very low-processed). Until I convince my husband of some of these principles, we are not going to make buying high-quality meat and all-organic produce a priority in our budget. (One of the downsides of having totally joint finances!)

    The change that I made that had the most noticeable impact was going low-carb and then (for stretches) grain-free. Lost weight, improved cholesterol numbers, lowered fasting glucose, normal A1C.

  • Jake @ Common Cents Wealth says:

    These are great tips. My wife and I are in the process of trying to eat healthier, but it hasn’t been very easy. We don’t really like vegetables, so we’ll have to see what we can do there. Also, we eat a lot of processed foods because it is way easier and faster to cook.

  • Simon @Modest Money says:

    Rule #6. Am a huge culprit of this one…I drinks lots of this stuff. Eating healthy, I think, is a consious effort to make changes in our eating patterns expecially given the convenience of fast foods. That said, I have been making changes towards a more vegetarian diet and I can say, I feel awesome…lost some weight, put on some muscle and I hope to adopt some of this rules !

  • Kim says:

    Thanks for the tip about conventional strawberries – I’m 33 wks pregnant so that one jumped out at me right away. After 3+ years of being vegetarian, I have to say I feel much better internally than when I was eating meat.

    Every morning I drink a green smoothie with organic spinach, frozen bananas, flax seed, oats, organic soymilk, protein powder and mint extract – it tastes like a mint chocolate chip milkshake and I get a huge serving of vegetables in before starting the day 🙂

  • Seth says:

    I slip in and out of good and bad eating habits. One month I’m eating really well, and the next I’m not.

    That said, I feel so much better physically and mentally when I’m in my good months.

    But I’m 25 and it’s a work in progress. I also just started gardening, so planning to get a lot of healthy meals out of that. 🙂

  • @Seth, I actually feel the same way. I’ll go some weeks eating really healthy and not missing a workout and then I’ll think I’m doing so well that I’ll eat a burger or pizza, which goes well with beer. Then the cycle repeats itself. I’m trying to work on staying more consistent.

  • Great tips! We try to eat in season as much as possible. We also limit meat and replace with beans/lentils. It’s been fun learning new recipes using beans (and it’s good for the savings account too!)

  • thepotatohead says:

    Since around the start of the year or so I’ve been trying to lose weight and save money on my food. I was spending a ton each day buying fast food which wasn’t good for the wallet or the waist. I’ve cut back big time from what I was doing, and have lost around 12 lbs or so by switching mainly to just soup for lunch and snacks of fruit throughout the day. I still do bad on the weekends though (alot of beer) so I’m sort of stuck at the 12 lbs lost. Need to cut out the beer or up the exercise.

  • aburtonpk says:

    I found this article by forbes about organic foods. What do you think? I haven’t really made up my mind about it.

  • Mary says:

    Hate to be this jerk, but “free-range” criteria….=3 square feet.


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