Category Archives: advice

Say "No" now to Enjoy the Fruits of Delayed Gratification

“You can get it if you really want,

You can get it if you really want,

You can get it if you really want,

But you must try, try and try, try and try

You’ll succeed at last.” (Jimmy Cliff)

Getting to many goals involve lots of trying, self-discipline and saying no when we are burning to say yes. Saving a few dollars here and there on a drink or a meal may not seem like much. However, it adds up over time to a nice chunk of change.

Instant gratification has taken a hold of many of us. We can get deliveries at home because it’s easier. However, the fees do add up over time. I am so frugal, I nipped that in the bud. I am saving to go off travelling and exploring new lands which is something I truly enjoy. It is also something that refreshes and rejuvenates me, so I am motivated and practice cutting off some, not all frivolous spending.

What do you spend thoughtlessly on because it’s so cheap? How much would it add up to in a year?

I use to go hard at travelling for a few years but my priorities have shifted. I have travel and other goals, so I plan, budget and execute my spending accordingly. Time is moving fast and with no plan I make wake up at 50 and have nothing to show for my years of toil. That shall not be.

Practice Delayed Gratification and Save for Retirement

Today I was chatting with someone about early retirement. It’s not something I will do but it would be nice to have that option. If I prepare for that then I will be ready for retirement. As we know, public pensions in most countries are on the wane or insufficient to live a satisfying life.

Are you putting away money for retirement?

Do you think you are too young to save for retirement?

We are never too young to start preparing for our golden retirement years. If we want them to be golden, we have to practice a bit of delayed gratification and put money into that pot.

Practice Delayed Gratification to Create Generational Wealth or Financial Health

Parents want the best for their children. For many, this means going to university to prepare for their future. Saving to help children with this sets them up to be more financially secure adults. If they don’t have to take student loans or take less loans then this is a good start. Those cheap tops on sale in our favourite fast fashion shop add up over time. Do we need them or should we save those seemingly small amounts so they can add up?

People who are serious about their financial well being focus on their goals and practice delayed gratification. It is a habit for them. This is a habit many of us could benefit from.

Karl Marx wrote about Commodity fetishism in his Communist Manifesto. It is worth reading about. In our Capitalist world, many people invest in commodities that add no value to their lives and robs them of their money again and again. I am breaking that cycle. How much stuff do I need really?

Build up an Emergency Fund as a First Step

Dave Ramsey, who teaches people how to get out of debt and build wealth, advances the necessity of having an emergency fund. It is basically a sum of money that is enough to cover all expenses for four to six months or more. This is to give you some peace if there is a sudden job loss. For some people with good incomes it may be easy to save this in a short time. For others, we may need to say no to some of our treats and build it up over some time. “Try and try, try and try…”

Can you imagine the peace of mind that comes with having a fully funded emergency fund. Phew!

This isn’t a goal or resolution for 2020. This is a change of mindset, to practice habits that lead to financial health through delayed gratification.

Minding Your Business Contributes to Your Contentment

We don’t need to know everything that is happening in the world at all times. We as people are naturally nosy, I think. Maybe it’s just me.

I know the importance of minding my own business and not prying beyond what others feel like sharing. Respect people’s privacy. Carry each other’s burdens, yes but wait for people to unload when they are ready and in their own way.

I mean minding our own business on a small or large scale really build contentment. Imagine following all the news in the world and taking all the different pathos knowingly and unknowingly. This kind of thing can really weigh on you without you even being aware of it. Sometimes it is necessary to bury your head in the sand.

Focus on your goals and don’t share or over share them with any and everybody. Pour your time and energy into doing things that develop you as a person. Mind your business and be intentional about this. It can be as simple as turning off your phone for a night, reading a book, listening to some good music and eating some scrumptious food.

I know minding my own business is one of the many things that help me to be content. Instead of focusing on what other people think of me and the like, I keep it moving. Everyone has his or own life to live. Don’t let the opinions of others about you and your life cause you to lose your focus.

What is your business? Knowing this in every detail is vital and worth pursuing. If you don’t know your own goals and dreams then how can you mind them?

When tempted to step into other people’s business, remind yourself it doesn’t concern you.

Yes, there are occasions where you may need to help others, use good judgement. This is different from unknowingly being pulled into all kinds of matter because of social media and the like.

Chase contentment and keep your eyes on your goals and your own life.

Have the Conversation and Don't Bottle up Stuff

Sometimes keeping the peace means having a difficult conversation to get some things off your mind. It takes courage but the weight that falls off after the conversation is a thing of wonder and beauty. This is self-care because bottling up things inside cause stress levels to rise. Most of us are wary of approaching someone who has offended us in some way to have that conversation. However, if you are anything like me your attitude towards that person will reflect your feelings. These feelings can weigh on you if it is someone you truly care about or see regularly.

How to Prepare for and Approach the Conversation

Pray. Ask God to give you the right words and attitude to effectively convey your points. If you go into the conversation angry and hostile the outcome will not be good. It’s important to show respect for the other person who has wronged you. After all, ‘two wrongs don’t make a right.’ Treat others with the grace you expect to be treated with. I know this is the last thing we want to do but doing what we want to do, in the heat of the moment is counterproductive.

Write down the things you want to address. Approach this formally since it helps to ground you. Also know that you will need to be bold and make eye contact with the person. It is also important to meet privately if it is a friend or relative. For coworkers, for example, get a third person in the room. This is important for accountability. Ideally the person should be in a position of authority and neutral to best serve both of you.

If you can, get to the room before the meeting starts and do some deep breathing exercises and pray to keep a calm composure. Remind yourself about how you would want to be treated if the shoe were on the other foot.

How to Engage in the Conversation

Get to the point. Start off with the person’s name, make eye contact and state why you asked for the meeting. Ask to be allowed to say all you have to say without being interrupted and wait for confirmation on this. Then speak calmly and moderately while making eye contact. If you are someone prone to being nervous in such situations keep a pen in your hand to help with this. Twirl it or do something to help you get through.

Allow the other person to also speak uninterrupted and really listen. You may be surprised to know that in many cases they didn’t mean to offend you and may even be unaware that they offended you. THIS IS WHY THE CONVERSATION IS IMPORTANT INSTEAD OF BOTTLING UP FEELINGS. Believe me, I am talking from experience.

Being Afraid of Confronting Others Sometimes only Gives you Stress

Confrontations are never good. We often think of speaking with someone about something they do to us as confronting them. I see confrontation as approaching someone in anger to try to right a wrong. This is something that often causes more issues.

I believe it is important to approach an individual respectfully, to have a mature/grown conversation about something they have done to you. Timing is key, so we often need some time to cool off before we can do this. We encourage kids to talk it out. We know communication is important in intimate relationships to resolve disputes. Why is it then that we learn to be afraid of telling someone they have offended us? There are some things that can’t be let go of easily. A five minute conversation can do a world of good.

I did this recently and it did a world of good for my peace of mind. Interestingly, we both got to find out things about each other that we did not know. In addition, we also understand our boundaries better. This is self-care in action.

Instead of bottling up stuff, try having a conversation to clear the air. Even if the other person isn’t receptive you gain peace and that is paramount.

How are you Working on yourself to be your Best you?

Working on yourself to be your best you doesn’t only pertain to academic pursuits. It is wonderful to get different certifications and equip oneself for different opportunities. Here I am talking about focusing on the intangibles that pay you an a deeper level.

Do you love yourself? Do you also like yourself? Being the best you requires that you answer to these questions in the affirmative. If this isn’t the case then you should do the work needed to get to the place where you state an emphatic “yes!” to these questions.

So, you are in love with who you are and you like yourself, lovely. I do too, as we all should.

Do you like how you communicate with others? Do you walk away from an encounter feeling frustrated that you couldn’t get your point across? Do you know how sometimes, it is only after having a conversation that you know what you should have said? Listen to really hear what is being said, do not rush to answer, give yourself a few seconds to frame your thoughts and deliver them appropriately. With practice this becomes easier to do. It is quite a task to control our emotions especially in heated moments. Explaining yourself clearly in different settings is something worth mastering.

Do you find it hard to say no to others? If you do, take some time to assess who you find it particularly hard to say no to. Be honest with yourself and try to get to the bottom of why this is the case. Often this stems from a fear of disappointing someone who you think will form a negative impression of you. The people in our lives who care for us will understand when we tell them no sometimes. If you only say yes to someone every time because you feel pressured, that is something you need to work on. Every time you say yes to doing something in your free time, you may be saying no to yourself. Therefore, the things you say yes to should interest you.

I know exercising and being active is of vital importance for me to be my best self. Since, I enjoy being a couch potato after being on my feet most of the day, I walk the 1.3km to and from the train station everyday instead of taking the bus. I also take the stairs in the station and forego the escalator. Every little bit helps. In the same way, I try not to eat too much crap and eat light in the evenings. Fruits, veggies, nuts, beans and water are staples. Chicken makes a cameo appearance once in a while and fish has its time to shine. I really like grilled salmon. My body feels good fuelled by these things. When I cheat and eat some other stuff my body sure protests.

Are you an empathetic person? Do you try to help others as needed? I know we can’t help everyone. It is easy for some people to give others money to help them but not their time. Everybody is busy in this fast paced world. Being your best you may mean giving more of your time to others. Meet friends and talk without distractions. Set aside 30 mins to call up someone, schedule it if needed. In certain places where people have all their material needs met, the gift of someone’s time can be precious.

How are you working on yourself to be your best you? No one is perfect. Each day is an opportunity to improve in some way. Something as simple as deciding to change your outlook on some things in your life is a step closer to being your best you

We are all works in progress and by being intentional we can become who we want to be day by day.

Develop the Habit of Spending Quality Time Alone; it’s Self-care

“You live alone!? Don’t you feel lonely?”

Many a conversation has this interjection because the person to whom I am speaking, discovers I live by myself. It happens quite often. (Perhaps it’s a cultural thing here.)

Is living alone synonymous with being lonely?

I wonder if people realise that you can live with others and still be lonely. Loneliness and being alone aren’t two peas in a pod.

Some people like being alone and may even need this for their sanity. There are also others who thrive on being with other people and still others who fall somewhere in the middle. At some point we will be alone. Being alone is great for taking time to develop yourself. Here are some positives from spending time alone:

  • You learn to hear your own thoughts and take the time to reflect and unpack things mentally. This gives clarity and helps you to learn important things about yourself.
  • You take time to do things that help you to rest. This is, if you learn to enjoy the times when you are alone. I mean, to just lie in bed and scroll through the internet or read a book or just be. I gift myself this opportunity on the weekend. It’s self-care.
  • Write down some goals and plans.
  • Dance, sing, clean, cook, take yourself out or just do whatever you want to (responsibly of course).
  • Develop a routine to pamper yourself in your alone time. This is self-care.
  • Go on a retreat by yourself to unwind and relax.
  • You can work on creating a peaceful atmosphere in that time as you de-stress.
Taking it slow…

Indulging in self-care doesn’t mean spending a bunch of money. Something a simple as taking a bath or lying on clean sheets at the end of a long day or eating that meal that hits the spot, soothes you. It’s nice to enjoy being alone at times. If you can’t be at peace when you are with yourself how can you be with others I wonder?

Being alone can be addictive. It’s good to strike a balance.

What do you Need to Stop Procrastinating about ?

Procrastination is really the thief of time as the adage goes. I mean there are so many sayings cautioning us not to procrastinate but alas we do it. What are you procrastinating about? Why do you procrastinate and what do you need to stop procrastinating about?

All of this is easier said than done. However, the first step begins with honestly facing up to what makes you procrastinate about that one thing? You know that thing that you want to do but leave it hanging…

Are you afraid of failing? Remember failure is a part of the process to learning and growing.

Are you afraid of being vulnerable. Pray about it and try to step out in faith.

Is it that you don’t have the finances necessary to bring this thing to life? How about sharing the idea with someone who may be able to help by investing in your dream?

Write the book, or finish it in my case.

Research, plan, save and go after the new job/career etc.

Do some free online courses to learn about how to run and manage a business if it’s your calling. Platforms like Coursera and Future Learn, offer loads of courses from different universities around the world for free in some cases. Spend some time investing in your dream in this way and less time on social media.

Sometimes you have to do some things without knowing how it will all end. This is faith at work. I remember a few years ago I was just not liking the atmosphere of one place where I was working. I took to applying for different jobs. interestingly, the job that on the surface seemed to pay the least worked out to be the best with a good salary. I am happy I took the leap. I caution you to save and have a buffer while enjoying life, to enable you to do something like this.

Some people want to travel but put that off usually because of money. This is valid. However, you can have a ten year plan where you save as little as $20 – 30 USD a month for a dream trip. Do the math. The trick is to think about how much a trip like that would cost in that period of time and start saving for it now. Have a separate account and let it mount up. Even if it takes more than ten years, your reward will be the dream trip.

You may be at the stage where your first step to stop procrastinating is to write down your ideas, goals, dreams etc. Put it somewhere so you can see it often and remember it. You will be more likely to do something about it. Also, don’t be shy to ask for help. Speak to people who can help and know that yes, someone may not be open to helping but keep knocking on doors.

Keep pushing and going after what you want. Life is best lived as an active participant in your own life. No one else can do your life like you can. Fix your eyes on your path and don’t be distracted by what others are doing. What’s yours is yours and vice versa. Rejoice with others and don’t cultivate envy… nurture positive thoughts especially when things seem to be falling apart. Again, this isn’t easy but it’s worth it in the long run.

The Importance of Reflecting as you Look Ahead

As a teacher, I talk with my students often, about the importance of reflecting, as they go throughout their time in my class. There is often much focus on looking ahead to accomplish different goals and dreams. There is also merit in taking the time to reflect and look back as we prepare for what’s ahead.

What are some merits of reflecting?

One thing that reflecting does is to show us how we have grown. This can be physically or mentally; let’s focus on mental and emotional growth. I am gratified to see my growth in these areas. I can look back at past relationships, experiences and things that were very hard spots in my life. I have grown through them and learnt how to be a better me. I have developed and honed my critical thinking skills and effectively manage how I react to different people and situations. When you look back at your life, how have you grown?

I am learning to be content with where I am in life. I don’t have all the things I desire but when I see what I have accomplished in the last few years, I have peace. I am reminded that I have what I need and different things come at different times. This also reminds me that I will look back at where I am now and see some changes as time passes by. I tell myself be patient, remain hopeful and keep moving.

I also learn to value the people I have around me now because they may not always be here. I lost my mother a few years ago and I am glad I went to be with her often, though I live on the other side of the world. There is nothing like spending time with those near and dear.

Reflecting also helps me to remember that things may seem hard now but time will pass. Like the other unpleasant things before, they won’t last forever. My response to them and how I handle them is what is important.

I remind myself to be open-minded, flexible and positive despite what is happening in my environment.

Reflecting as you look ahead

Reflect to seek out the positives and negatives that you have learnt from life. Use this knowledge to prepare for the future. Know how you approach and deal with different situations and people in the past. Be proactive and think about how you can make necessary changes to benefit you as you look ahead.

Mistakes are great learning opportunities. What can we learn from some colossal mistakes to avoid pitfalls as we forge into the future? This can be anything from spending crazily at certain times of the year to trying different diets; just about anything. One mistake I made was to have developed the habit of buying clothes just because they are on sale. Have I learnt from the folly of my ways? I sure have. When you live in small Japanese apartments this can be quite a nuisance, so I have cut back on that.

From reading this blog, you have probably noticed that I am passionate about living on a budget and being debt free. I reflect quite a bit on how I spend and think about how I can save and reward myself more meaningfully. Travel is my extravagant hobby, so I make certain concessions for this. I travel differently now than I did a few years ago because though I enjoy it, I have other priorities like saving for retirement. You are never too young to begin saving for retirement.

Take time to reflect to understand yourself more, make some changes to benefit yourself moving forward and to see your growth. There are far more benefits to reflecting on your life as you plan for what’s ahead. I hope you’ll enjoy these as you reflect.