The most important thing about home finance

When do you need household insurance

The most important thing about home finance

Two key figures are important for financing a home: mortgage lending and portability. Banks loan up to a maximum of 80 percent of the property value or the purchase price. For you, this means that you have to bring at least 20 percent equity into the financing. In addition, housing costs (living expenses) may not exceed one third of gross income.

When do you need household insurance

The required debt

First, calculate how much debt you need. A list of the existing equity capital is important for this. Enter a list of how much savings you have, how much can come from an early inheritance or a gift, and whether you can withdraw money from the second or third pillar of social security (and if so, how much). 

The available equity results from the sum of these amounts. You start from this sum and multiply it by four. This in turn results in the debt capital that can be raised through a mortgage. An example: You have CHF 50,000 in equity at your disposal. 

Multiplied by four, this results in CHF 200,000. This means that you can count on a mortgage of CHF 200,000 if you bring in the aforementioned CHF 50,000 equity. Since the burden here is over 65 percent, the mortgage is divided into a first and a second mortgage. 

The latter must be amortized on a fixed date, i.e. paid back. As a rule, retirement is the latest point in time, and banks are reluctant to finance it.

The portability calculation

Anyone who has ever asked about a mortgage will also use the term? Portability calculation? have heard. It is used to calculate how much home You can afford at all. The first and second mortgages are subdivided based on the purchase price and the possible own and external funds. 

The interest is then calculated, the amortization deducted and the ancillary costs determined. The bank uses this to calculate the running costs that you will face each year. These, in turn, determine how high your annual income must be so that you can finance it as desired.

Financing partner wanted!

If you are looking for a partner, you usually do not commit yourself lightly. Someone you want to be with for many years just has to "fit". This also applies to the financing partner of your mortgage; after all, you are bound to it for ten or even twenty years. 

In the past it was common to simply go to the house bank and take out the mortgage there, but it is no longer recommended today. It makes a lot more sense to take a closer look at the competition from the house bank. Also note the cantonal banks, the insurance companies and above all the online banks. 

Judge with the neotralo.ch mortgage comparison and find the financing partner that suits you! Before making a decision, consider these points:

    • Be sure to get multiple offers (at least four to five)!
    • Compare the offers and choose who might want to renegotiate the conditions.
    • Try to acquire some expertise yourself so that you can negotiate on an equal footing.
    • Talk to the advisors of the selected providers.
    • Decide not only on the basis of low interest rates for a provider, but also compare the other conditions (e.g. termination options).

Submit the loan application: Please think of all documents

The loan application will only be processed if all documents are available. Therefore, it makes sense to inform yourself in advance about the necessary documents so that you can show a lot of them during a consultation. In any case you need at least these documents:

    • current tax return
    • Real estate documents
    • Extract from land register and draft sales contract
    • Building insurance estimate

Not all documents will be immediately available, which is especially true if you want to get a rough overview of the financing options. 

Above all, the land register extract, the draft of the purchase contract and the estimate of the building insurance are only available if you are actually considering the purchase of a property and are already in negotiations with the seller.

 After the comprehensive consultation, you know exactly whether lending and portability are possible as intended. You will then receive the final acceptance or rejection within a few days.

Choose the right mortgage

With most providers, customers have a choice of what type of mortgage they want to take out. There are fixed, variable and Libor mortgages. They all have different advantages and disadvantages, as we explained earlier. 

You just need to know which model suits you, and you should be able to assess yourself well. Are you more of a risk-taking type or do you need a high level of security? The following tips will help you choose the right mortgage and put home finance on a safe footing:

    • Fixed-rate mortgage: This is suitable for everyone who knows their budget exactly and who is afraid of risk. You play it safe and are protected against unpleasant surprises.
    • Fixed-rate mortgage or Libor mortgage: At times of low interest rates, choose a fixed-rate mortgage and let the interest rate be fixed for ten to twenty years. The Libor mortgage is suitable for anyone who is willing to take a little risk and who does not mind if interest rates can rise after a low phase.
    • Rising interest rates: If you can expect interest rates to rise as soon as you sign the mortgage contract, a fixed rate mortgage is the best choice. This will secure the current low interest rates.
    • High interest rates: If you are not waiting for interest rates to fall and now want to conclude your mortgage contract, a variable mortgage is the best choice. If interest rates fall, you will benefit directly from it.
    • Falling interest rates: If you expect falling interest rates, a Libor or variable mortgage is the best choice. This means that they adapt to the interest rate level and have the option of having the agreed high interest rates adjusted.

The decision as to which offer is best for you and which bank will be your future partner should be carefully considered. 

Use the opportunity to compare different providers here on neotralo.ch and follow the old motto:? Therefore, check who binds forever !? Even if you don't commit yourself forever, with the wrong financing partner, ten years can be an eternity.

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What needs to be considered when taking out a mortgage?

What can you insure, what can't

What needs to be considered when taking out a mortgage?

Financing experts are always surprised at how blue-eyed some people take out a mortgage, even though it is one of the most important steps in their lives. A mortgage usually runs for many thousands of Swiss francs and is usually in the five- to six-digit range. Losses are dear to the mortgagee. And yet it is the house bank with which the financing is tackled?

What can you insure, what can't

Verbal contract is valid

Many a borrower believes that what has been said orally is not legally binding. But that is wrong, even an oral contract can be binding. 

A reputable bank will always record the things discussed in a written contract, because this is both a security for the bank itself and for the borrower. So if both sides have agreed on the mortgage, the data will have to be written down. 

Mortgage contracts are not tied to a formal requirement, because every bank naturally has a corresponding form that contains the most important points about the mortgage:

    • Type and amount of mortgage loan
    • Borrower's name
    • agreed interest rates
    • Start of the mortgage and term
    • agreed payment dates
    • possibly fees and discounts
    • Conditions for early redemption and termination
    • Terms of Service
    • Registration of the mortgage
    • Address of the property to be financed

Most of the time, the mortgage contract will contain additional data that elaborate on the details. How extensive the contract is is entirely up to the bank. If you would like more information to be included, please ask your bank advisor. If this is not disadvantageous for the bank, this should not be a problem.

Very important: Before you sign the contract and thereby seal the conclusion of the mortgage, you should definitely read the fine print. This primarily concerns the specified notice periods and the general terms and conditions. Above all, the point of early termination of the contract is important, because if you want to get out of the contract, this should be possible at any time. 

Especially if you are entering into a long-term mortgage contract because interest rates are currently very low, you should consider how you can get out of this contract. Find out more about these points:

    • What happens if you change jobs?
    • What happens if you die or your partner dies?
    • What about divorce?
    • What is the procedure for losing a job? How about insolvency?
    • Can you still sell the property at all?

All of these questions should be regulated in the mortgage contract, so that you have a certain legal and planning certainty. In this regard, be sure to read the small print in the contract, because there are often traps lurking here, which can become noticeable later on.

Check prepayment penalty before graduation

The bank from which you borrow the money with which you buy the desired property invests your money in the capital market. The margins on mortgages are higher there, which gives the bank a lower interest rate than what it gets from you. In most cases, compensation is therefore required if you decide to want to do so before the official contract ends. 

This is also called prepayment penalty or exit compensation. It can be really expensive! Therefore, be sure to consider this point before you conclude the mortgage contract. In the case of a fixed-rate mortgage, you may be asked to pay back the remaining amount that the bank would have earned for the duration of the term through your interest payments. 

Assume that your mortgage was CHF 600,000 and you cancel it four years after the start of the term. The fixed interest rate was 2.25 percent. The bank would only receive one percent interest on the capital market for the remaining six years. It will now claim a kind of default compensation from you and bill you for the interest rate differential of 1.25 percent. 

You will now come out of your contract, but you will have to pay a fine of CHF 45,000. A nice sum that could have been avoided if you had thought about this eventuality beforehand. 

If in doubt, do not commit yourself to such a long time and take advantage of the offers of some banks that offer a cheaper five-year interest rate on a fixed-rate mortgage. Some providers even set the interest rate a little higher for the ten-year term.

Negotiate before closing

Most banks require the compensation just described if you want to terminate your mortgage contract early. The only question is how high the compensation payments will be. You should definitely clarify this question beforehand, because it is decisive for the choice of the provider. 

The statutory provisions are mandatory and you must abide by them. All other contract terms, on the other hand, are rather voluntary and only a matter of negotiation. Many banks officially announce that they will only adhere to the general terms and conditions that are visible to everyone. 

Unofficially, however, individual regulations are possible in most cases. Do not sign prematurely, but first use the comparison option on neotralo.ch and secondly the opportunity to renegotiate the conditions shown.

Don't let your advisor push you to graduate. This also applies if the latter suggests the largest possible carving. The consultant's argument is understandable, because it relates to the fact that you enjoy the greatest possible security. If interest rates fall in some time, you can already replace the shorter tranche and renegotiate. 

If interest rates don't fall, you still have the longer tranche as collateral. This is understandable, but the interest can also go up and you are then forced to accept the adviser's offer. Even if this is clearly worse than the previous level. Make sure that you can amortize the expiring tranche by then. 

Threaten them to pay for themselves or instead ask for a very cheap alternative. The consultant will already rethink the desired degree and drop it in your favor.

Another tip at the end: measure your mortgage rather generously. Many borrowers plan too little and underestimate the costs that come with buying or building a house. 

Then the equity becomes scarce, the sustainability is no longer given. You'd better take your time as a mortgagee and pay back a little more money. This makes you live more calmly and offers you the necessary financial freedom.

To find the best offer for the mortgage, use our Mortgage comparison!

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neotralo.ch: In a league with the big ones

neotralo.ch: In a league with the big ones

The summer of 2019 was written when one of the budding stars entered the comparison portal landscape to catch up with the big ones in the shortest possible time. neotralo.ch was born and rose within three quarters of a year to the same league as comparis.ch, moneyland.ch and bonus.ch. Here, users can easily find all important comparisons to health insurance premiums, car insurance tariffs and much more. neotralo.ch is already mentioned in the KGeld with the four big players in the industry and proves to be just as reliable and trustworthy.

Comparis.ch is an industry size that no one in Switzerland can get past who wants to carry out a financial check. Now that also applies to neotralo.ch, because the former start-up closed the test of Kgeld with only half a grade worse. 

The very good results achieved within this short time make us confident and it can be assumed that the half mark that still separates neotralo from the competition will not be a permanent result. Such a good result can easily be topped! Especially since neotralo.ch will have an ever wider reach: Tools in ten different languages can be used to compare life insurance policies. 

This means that neotralo.ch not only relies on its customers from Switzerland, but will also build a portal that goes well beyond national borders, with which new users can be reached, who in turn can benefit from the advantages of the comparison portal.

Satisfaction with neotralo.ch

Not only the testers of the financial magazine are satisfied with neotralo.ch. Neotralo.ch itself provides feedback. ?We are very happy with the result. Already after half a year we are perceived as a Swiss comparison portal and stand next to the big names in the industry in Switzerland. 

It is agreed that the efforts have really paid off since the portal was launched, because right from the start great emphasis was placed on customer friendliness, service, comprehensive results and the ability to contact the providers directly. 

Everything at neotralo.ch should be as clear and transparent as possible and that just pays off! In contrast to many other comparison portals that try to make up for missing content with a big name or to hide the receipt of remuneration for mediated insurance, neotralo.ch wants to offer an actual overview. 

This gives the user the chance to get an idea of the individual offers and to choose the one that best suits them.

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How many calories can I eat per day?

How many calories can I eat per day?

The amount of calories that can be consumed every day cannot be given as a blanket figure. On the one hand, it depends on whether you are male or female. On the other hand, it depends on your physical activity and your basal metabolic rate. While some have a basal metabolic rate that makes chocolate and Co. seem to disappear without a trace, for others it is so sluggish that they only have to look at a gummy bear and it lands on their hips.

It is also important for the amount, the calories, that can be added to the daily diet, whether you want to build muscle or reduce weight. As a rule of thumb, the more exercise you have per day, the higher your calorie needs.

Basic and performance turnover

The basal metabolic rate is the amount of calories that the body consumes at rest. Physical exercise is not included in the calculation, because even when you sleep, you consume calories.
The performance turnover, however, specifies the amount of calories needed for physical activities. Do you do sports or cycle to shop? Then your performance turnover increases significantly compared to someone who climbs the stairs in the office building.

Basic and performance turnover together make up the total turnover.

This in turn represents the amount of calories you need every day. But if you want to lose weight now, you have to reduce your overall turnover. It is important that the deficit inflicted on the body remains within the tolerable framework, because otherwise it will simply reduce its turnover. The human body switches to a kind of hunger mode and uses only the most necessary energy to maintain the body's functions. He learns to cope with less and still doesn't give a gram of fat. 

You should therefore generally not consume fewer calories than you burn in your basal metabolism. Assume that you should lose at most between 300 and 500 kcal less to lose weight, with 500 kcal corresponding to a bar of chocolate. If the calorie deficit is too great, your body will try to compensate for it and react with food cravings.

That's how many calories you need a day

Everyone is different and so it is also different who should take how many calories a day. Women can assume that they can get by with around 1800 to 2000 Kcal a day if they move up to half an hour a day. If their physical activity increases up to an hour, they need about 200 Kcal more. With more than an hour of exercise a day, the amount of calories needed is between 2400 and 2800 Kcal. 

An important point at this point: The calorie consumption increases not only through exercise. 

Emotional stress also increases calorie consumption. If the stress persists, the turnover is reduced again because the body? figuratively speaking? prepared for bad times. He keeps as much energy as possible because of seemingly tiring times. Since the food intake is often also restricted at the time of great emotional stress, it may be that the body already goes into hunger metabolism.

Men need a little more energy a day.

They can be assumed that the calorie requirement for less than half an hour of exercise a day is between 2100 and 2500 Kcal. If a man moves longer and is active for one hour, he needs around 2500 to 2700 Kcal a day. With even more exercise (more than an hour a day), the calorie requirement increases to around 3000 to 3500 Kcal.

Through regular fitness training in the gym, with an affordable one Fitness subscription, the calorie requirement is increased again. The training itself increases the energy requirement up to 500 Kcal, so if you continue to eat normally, you will automatically supply your body with less energy than it needs. 

In addition, there is a small phenomenon in active athletes: their muscle mass increases and muscles consume more energy. The basal metabolic rate increases in well-trained people compared to non-athletes, whereby the exact additional metabolism cannot be quantified exactly. But it is therefore understandable that an athlete has one or the other? Sweet sin? can allow and yet does not increase. 

His increased basal metabolism compensates for a small snack more than is the case with an untrained person. Nevertheless, such nutritional slip-ups should not become permanent.

Calories are not all calories

If you want to lose weight, you can use a calculator and calculate the amount of calories you eat every day. But even if the value determined in this way is sometimes alarmingly low, these people do not lose weight! Experts say that it is not the amount, but rather the calorie itself, because one calorie is not the same as another. 100 calories from a healthy food is worth much more than 100 calories from processed foods.

The calorific value is not decisive

A calorie is a scientific unit of measurement and indicates the amount of heat that is required to heat a gram of water by one degree Celsius. This explanation is of course completely irrelevant for nutrition and fitness, because hardly anyone can do anything with it. Nutritionists say the calorie as a unit of measurement that it has long lost its value and is no longer meaningful. 

Because even if two foods bring the same amount of calories, it may be that the body uses them differently. In addition, the body of person A uses the calories differently than that of person B, which is why both have a different figure. If you then add the time of day (calories are used differently during the day), the poor fitness friend who just wanted to lose a little is completely overwhelmed.

Quite simply: The calorific value, i.e. the calorie count, is not decisive.

Rather, it has to be considered how each individual's body utilizes the energy that it receives. And this is exactly where the problem with sugar can be seen. Because you can save calories, but if you consume a lot of sugar, you will not lose weight. 

Hence the recommendation: Regardless of the amount of calories, you should pay attention to the sugar content of the respective food!

Prof. Koletzko once told the Deutsches Ärzteblatt that sugar has a different effect on fat synthesis than starch. For this reason alone, calories are not always the same. There was also a study of children from the United States who usually consumed a lot of sugar. They consumed food other than their usual diet for over nine days, replacing the sugar with starch. Within the nine days there was a significant decrease in the fat content in the liver and a reduction in the belly fat.

The use of fructose should also be used with caution, because if a lot of fructose suddenly gets into the liver, it is overwhelmed with the conversion. It then simply stores the fructose as fat, which in turn accumulates in the liver or is released into the blood. This means that other tissues also get this fat from sugar.

No more counting calories!

According to the latest findings, there is no point in constantly counting calories. It is much more important to choose the right foods and this can also be the ones that have a comparatively large number of calories. Nuts, mushrooms and vegetables are examples of this and yet it is precisely these foods that make you slim. It is interesting in the context that people who eat Mediterranean are often slimmer than others who pay attention to fat and calories. 

On the other hand, they have high-fat foods on their menu, which contain oils, nuts and other fats. Still, people stay leaner. Again, it shows that calories are not just calories. Refined foods increase the release of certain hormones that interfere with and slow down the fat metabolism. 

They also ensure that we get hungry again faster and feel full for less.

Conclusion: That's why calorie counting is not important

Certainly, the amount of calories in food gives an indication of how much energy the body is consuming when eating the food. But 100 calories from salmon are significantly healthier than 100 calories from fructose, because this affects the metabolism differently. 

Against this background, the bad reputation that some foods have seems much less bad. Confessed nut eaters are proven to be leaner than people who use foods other than snacks instead of nuts, even if these foods have fewer calories than nuts. In order to stay slim and fit permanently, physical exercise still plays an important role.

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Fitness center: free weight or machine?

Fitness center: free weight or machine?

Whether you are with a great Fitness subscription Training with free weights in the fitness center or with the machine is certainly a question of personal philosophy and current fashion. Because while training on machines was called the ultimate when they first appeared, it fell into disrepute some time later. The only fact is that it makes the right mix and that it comes down to personal training. Balance and appropriate weights must be the focus, then nothing is bad when training on the machine.

Advantages and disadvantages of machine and free weight

Training on the machine as well as with free weights can have advantages and disadvantages. It is time to take a closer look at them.

Advantages and disadvantages of the machine

Machines are well suited for training by beginners, especially since the most effective exercises can even be carried out on their own because they are explained graphically on the machines. If you have a trainer, you can instruct them to put together a training session. The following advantages should also be mentioned:

    • individual muscle groups can be trained in isolation
    • Muscle building with higher weight possible
    • usable for older people
    • good after injuries and for rehabilitation

But not everything that glitters is gold, and so there are some disadvantages that can be mentioned in machines:

    • less functionality and no natural movement patterns possible
    • Neglect of the stabilizing muscles
    • higher risk of injury
    • very popular in the gym and therefore often occupied

Training on the machine is equally suitable for beginners and bodybuilders, because the growth incentives for the muscles are very good. However, there is a risk that neglecting the muscles that support the joints will result in poor posture and long-term injuries. Therefore, always supplement the training on the machine with the free weight training!

Advantages and disadvantages of free weights

Free weights are still very popular and can offer the following advantages, for example:

    • functional training possible
    • full freedom of movement and natural movements possible
    • Training the stabilizing muscles
    • varied training possible
    • Training also possible at home
    • Cost-effective training because a gym is not absolutely necessary

But the free weights also have their disadvantages:

    • more demanding training, based on technology (coaching required)
    • Risk of injury due to incorrect technology increases
    • Support with heavy weights makes sense

Free weights are suitable for all athletes and fitness enthusiasts who want a slim and defined body and no inflated muscles. Runners and athletes also benefit from training with free weights. Free weights are also used in the context of rehabilitation, because they enable targeted and effective training.

In the end, everyone has to try out whether one variant is better than the other.

Especially since the training should also be fun! Those who torment themselves with one variant, although the other would be more fun, orientate themselves past the training goal. Therefore, coaches generally recommend betting on the mixture. Train with both the machine and free weights. With the latter, you can consciously stress and promote the muscles that were neglected by training with the machine and which are very important as stabilizing muscles. The good thing about dumbbells: You can even take them with you when you go jogging. You simply combine the strength training with the endurance training and ensure a significantly better effect.

You don't have to work out in a gym to get a slim, defined body.

But what you need is a good guide, which you will also get from a personal trainer. However, if he is not running his own gym, he cannot offer you machine training. You may also choose this and find yourself in the studio. Or you can completely replace the machine training with a varied training with free weights of various types.

Tip: The training will also be particularly cost-effective for you if you receive the fitness subscription for free.

Here's how to do it!

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How not to lose motivation

How not to lose motivation!

Even if a person is not a machine, it is very annoying that the overall motivation for the sport can be affected by shape lows and mood swings. At the beginning everyone is highly motivated, has set great goals and works diligently to achieve these goals. But soon the initial euphoria fades and after the high phase comes a low. You lose your desire and prefer not to do sports today. And not tomorrow either, and the day after tomorrow it doesn't matter because the training break was so long. The motivation can be increased with the following tips.

    • Bring sports gear for afternoon training
      Those who first have to go home and get their sports equipment will often find the sofa at home much more attractive than the gym. This is how one uses his Little fitness subscription until not at all. You should therefore take your sports gear with you to work so that you can start right after work. You should therefore take your sports gear with you to work so that you can start immediately after work. If you train alone at home, you should exercise immediately after you come home. A long time gap between coming home and the planned sport causes in many cases that the sport is postponed too far and that the desire for it continues to decline.
    • Choose the right outfit
      Important: You should really feel comfortable while doing sports. But this is only possible if you have a good feeling on the outside, so if you are dressed appropriately. Even though the sport is theoretically possible in old slouch sweaters and sweatpants, the motivation is much higher if the new sports clothes are to be worn.
    • Train with support
      Those who train alone let the inner bastard win too often. But if a personal trainer is ready to go through a planned sports program with you, you won't have any excuses. In addition, sport in a group is simply more fun! A running group or a group for swimming together can also be helpful.
    • Everything is easier with music
      With the right soundtrack that you have perfectly matched to the training, everything is easier. Even scientists say that music makes the body perform better. By the way, your own playlist also helps if the music in the gym is more suitable for falling asleep than for playing sports.
    • Find the right sport
      In the long run, only those are motivated who also enjoy the sport and who know that this sport is the right one. You may have to try some sports until you find the right one. But the motivation is much greater if you and your sport fit together. Finding the right sport can be lengthy. It is important whether you prefer to train indoors or outdoors, alone or with others, whether you like action or prefer quiet sports.
    • The endorphins afterwards
      When you have done it and finished your sport lesson, you will be flooded with endorphins. Nothing can replace the good feeling! Think of this feeling when you don't feel like training again.
    • Define your goals
      Do you have an end goal that you want to achieve? Fine, but you also need intermediate goals. When you reach them, they give you feelings of happiness that are unique and always inspire you to achieve new levels of excellence. Above all, set realistic goals, otherwise frustration will soon arise.
    • Write down your successes
      Very important: write down your success! So you can read what you did particularly well and achieved great things even in times of lack of motivation. If you see what you have already done, it gives you the incentive to continue training.
    • Bet on adversity
      Don't take bad weather or wind as an enemy and excuse not to exercise. Rather, you should see this as a challenge, because they intensify your training. And if you don't want to go outside at all, you can also move your workout to the living room. It's very simple: Use advertising breaks to practice one sport variant at a time. Once rope skipping, once crunches, once pushups. Even if this workout was not quite as effective, you have not completely won the inner bastard.

We have more information about fitness training for you! Here you can find out, for example, how you can use a free fitness subscription.

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Define clear fitness goals!

Define clear fitness goals: This is how you define your goals!

It is clear that those who set goals and consistently pursue them are more successful. A clear goal increases personal performance and keeps motivation high. At the same time, it helps to avoid disappointment.

But it is always important that you know what you want to achieve. Do you want to get fitter or lose weight? Would you like to take part in a sporting competition and win a medal? In addition to setting a goal, it is also important to draw up a plan for how that goal should be achieved. Only then can a goal become realistic. But that is exactly the basic requirement for reaching the goal: it must be realistic! Unachievable goals only frustrate and cause poor motivation in the long run.

Set short and long term goals

What is important is not only the big goal, which should be at the end of all efforts. The small goals are also important because they represent essential milestones on the way to the main goal. A main goal can be defined for a time period from six months to several years. Nobody can survive that long without a sense of achievement, so small intermediate goals are important as marking points. No daily goals need to be set, but at least monthly ones. A successful goal is defined by the following points:

    • visions
      You know best what you want to achieve. Define your dream destination!
    • engagement
      Your goal must be worth striving for. There is no point in setting a utopian goal. An example of this are competitions that are no longer an option due to their age alone.
    • motivation
      If you know that your goal can be reached, you will be more motivated. Communicate with your trainer about the goal and set small goals together. Motivation increases with every intermediate goal achieved.
    • concentration
      There is no point in always looking too far ahead. Keep an eye on your main goal, but focus on reaching the milestone. Nothing else matters now!
    • objectivity
      The goals set must be objectively measurable. ? I want to do my best? cannot be checked for your trainer. However, if you set yourself a goal that, for example, improves your personal best on a defined running route, this is easily verifiable.

When you reach a fitness goal, you should never concentrate on the result alone.

If your result goal is that you want to win a medal in a competitive sport and you are not listed among the medalists, that is bad for self-confidence and motivation. 

However, training to participate in this competition is a better goal. So-called performance goals are also ideal, because reaching this goal does not depend on the influence of other athletes and competition participants. You alone are responsible for reaching the goal. If you should injure yourself or fall ill, this goal can simply be redefined or postponed.

Plan for obstacles

If you put your fitness goal before your Fitness subscription you should always assume that things can turn out differently. Plan for obstacles because you can get injured or sick. You may also find that the defined fitness plan is not suitable for you because you lose more and more fun with the training. 

Therefore, find alternatives with which you can achieve your goals. You do not have to completely overthrow the objective, unless it is tied to a specific sport as a result goal, which for certain reasons you can no longer practice. But if you only want to improve your general fitness, you can find other ways and means. Accordingly, the intermediate goals must be adjusted, the main goal remains.

Top athletes also rely on goals with which they can achieve their success. They develop these goals together with their trainers and build on their experience. You don't always have to work out with a fitness trainer or in the studio, but at the beginning of your training it can be helpful to rely on the professionalism that comes from a personal trainer. 

This is particularly useful if you also want to change your diet and develop a nutrition plan. Once the goals have been defined, you can work on implementing them yourself. However, it is important that a joint review of the success takes place at regular intervals. If necessary, some goals have to be adjusted on the further fitness path.

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Low calorie foods

Low calorie foods

Are you looking for low-calorie foods because you want to lose weight or build muscle? But how many calories per day can you take to yourself? The following list shows you a selection of vegetables, meat, fish and many other foods with an indication of the number of calories per 100 grams.

per 100 grams:

    • Lettuce: 11 Kcal
    • Cucumber: 12 Kcal
    • Tomato: 17 Kcal
    • Zucchini: 18 Kcal
    • Broccoli: 28 Kcal
    • Strawberries: 32 kcal
    • Raspberries: 34 kcal
    • Apricots: 43 kcal
    • Apple: 54 Kcal
    • Papaya 32 kcal
    • Potatoes: 73 kcal
    • Whole grain bread (rye): 193 Kcal
    • Whole grain bread (wheat) 200 Kcal
    • Whole grain pasta: 333 Kcal
    • Rice: 343 Kcal
    • Oatmeal: 348 Kcal
    • Natural yogurt: 36 Kcal
    • Milk (1.5 percent fat): 48 Kcal
    • Lean curd cheese: 73 Kcal
    • Mozzarella: 104 Kcal
    • Cream cheese: 87 Kcal
    • Veal: 92 Kcal
    • Turkey breast: 105 Kcal
    • Fillet (pork): 106 Kcal
    • Fillet (beef): 121 Kcal
    • Cooked ham: 128 Kcal
    • Monkfish: 66 Kcal
    • Pangasius: 77 Kcal
    • Pollack: 81 Kcal
    • Plaice: 86 Kcal
    • Cod: 76 Kcal
    • Pudding (caramel): 89 Kcal
    • Milk rice: 100 Kcal
    • Plum cake with yeast dough and crumble: 143 Kcal
    • Sponge cake with fruit: 156 Kcal
    • Tap water: 0 Kcal
    • unsweetened coffee: 0 Kcal
    • unsweetened tea: 0 Kcal

These foods are wonderfully easy to combine with true power foods! 

Chicken breast with potatoes and strips of pepper, jacket potatoes with curd cheese, plaice with rice and avocado? There are many options and the nice thing about these foods is that they are quickly prepared. You don't need great culinary skills to turn them into a delicious meal. 

Tip: As an athlete and fitness enthusiast, you shouldn't just look at the calories.

Because a piece of chocolate is also allowed! It gets worse when you struggle with ravenous hunger, because then the rational thinking is literally switched off and you see what you get to eat and not what has how many calories. Discipline in nutrition is good and for athletes with one Fitness subscription very important, but exceptions must be allowed.

If you want to know how to get fit and healthy and how you don't have to pay for your fitness subscription, click on the Link!

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