The Christmas season is over and life is getting back to 'normal'.
Some are feeling the effects of overeating and over spending.
Some are making New Year's resolutions to do better.
We believe that now is a great time to focus on building good habits in the areas of personal physical fitness and finance. We pray that you will be blessed by the presentation. As usual we had a fun time putting it together!

The programme also features:
* A guest appearance by Kevin Smith, Bermuda's Champion long-distance runner
* Healthwise with Dr. Lee Gibbons dealing with exercise
*Financial Tips by Mr. George Burch and Mrs. Lois Wilson
* Comments from "people on the street".
* and a message by Pastor Donnieval on
focusing on and achieving both physical and financial fitness as we begin this new year.
 

Happy New Year!
 

A few photos of our program in the making are shown below.

Michael Faison Jr. learning the ropes from producer Steve.
Executive producer, Pastor Mike Faison, explaining the vision.
Prop man Chris trying out the equipment.
Dr Lee Gibbons during the HealthWise segment speaking on the benefits of exercise.
Wayne's keen eye at work.
Aerobics.
The JOY hosts showing the rest the proper way to kick!
Did we get it?
Delray and Janet (far left and far right) join Jackie and Lee as they wait for the next instruction.
Bermudian Champion distance runner Kevin Smith (on the left) gives a cameo appearance.
Hey Bob, one more situp please!
Hey Rovenia, you must be joking!
OK Margaret, whats next?
 Everybody in the weight room.
Until we get our teleprompters we are doing it the old-fashioned way!
We hope that 2003 is a year in which you have success in achieving both physical and financial fitness!
Financial Tips 
listed by guests Mr. Burch and Mrs. Wilson are:

Step 1
Collate and organize your bills.  Have a specific place for your control.
Step 2
Organize bills in terms of amount and urgency.
Step 3
Pray over your bills. Commit to being out of debt and not to take on any new debt
Step 4
Commit a certain amount of money each pay period to reducing outstanding bills.  Pay minimum on credit card by due date.  Plan to reduce everyday expenses e.g. take lunch to work instead of going deli.  Aim to reduce each bill by a certain amount each month and plan to get rid of the small bills first.
Step 5
Consult with creditors to work out a plan and commit your payment to them. Do not ignore your creditors, most will appreciate your honesty and communication.  Think ahead and when debt free set aside money for savings and also special occasions e.g. Christmas , put in a savings account.
Step 6
Continue to affirm yourself in your new lifestyle with a financial plan which will include stricter control over use of credit cards and accountability of all expenses. 
Step 7
If totally overwhelming consult with your banker or credit manager to consider debt consolidation. However know that this is a last resort and will have its own challenges i.e. bank will require collateral and will charge upfront fees and ongoing interest.