GETTING into good habits, like paying your bills and trying to save or invest money each month, will improve your financial well-being.

That is financial fitness.

DirectAxis Financial Services chief marketing officer Marlies Kappers shared some financial fitness lessons with SunMoney to help you get started:

1. Get going

Set time aside to look at your finances. Use your bank statements to help you draw up a budget.

Draw a line down the middle of a piece of paper, list all your income for a month on one side and all your expenses on the other. You can then see where you might be able to cut some spending or how much you may be able to save or invest each month.

2. Get an assessment

Assessing your financial fitness is probably easier than you think. Your credit rating is essentially a financial fitness report. It tells you how you compare to everybody else when it comes to managing your finances.

3. Set realistic goals

By setting realistic goals,you’re more likely to stick to your programme and stay motivated.

If you’re struggling to make ends meet, start off by seeing if you can save some money by cutting out non-essential expenses.

4. Get help if you need it

If your goal is to finish a half marathon, complete the Cape Town Cycle tour or just improve the time for your Saturday morning trail run, you can pick and choose what works best for you.