Your Competition Is With Your Past Self
Week #9 Kinds of boredom, using a CGM, credit cards for international travel
A new year is approaching and you may be thinking of new year resolutions again. You may have heard that resolutions don’t work. Instead, focus on building good habits. Or create systems. 10x results do not require 10x effort.
Most of us have very common goals. Improving health, saving a little more money, spending more time with family, and so on.
None of these things require too much effort. All you need to do is start small and start today. You don’t have to wait for the new years.
Your competition is with your past self.
Few ideas to help you get started -
a. If you want to work towards your fitness, you can start with mindfully walking for 10 mins a day.
b. If you want to save money, see if you can take care of it at the source. Increase your employer deductions. This is probably the safest way to invest more money. Consult holistic wealth if you are serious about your financial goals.
c. If you want to spend time with your family, just have everyone at the dinner table and make sure there are no phones.
d. Want to read more? Read 1 page a day. The best time? Before you sleep. I pick up my kindle almost every night. Even on holidays.
Kinds Of Boredom
Ankush talks about avoidable and unavoidable boredom in his recent post.
Boredom that you cannot avoid and that is part of many phases in our lives. However, this type of boredom leads to growth. Examples include:
Investing systematically for years without making any fancy changes.
Doing the same kind of workout for years, gradually increasing the weight, pace, or number of repetitions each time.
Following the same meal plan to maintain your health over the years.
Performing routine tasks at work that accumulate into something big
Credits To Use For International Travel
I use these cards when travelling internationally-
1. Hdfc infinia - I sign up for the global value program. You get 1% extra cash back up 1,000.
2. American Express platinum charge card - 3x rewards on international spends but higher forex too.
Other options - scapia / Niyo kind of cards.
A lot of folks shared their views on other cards. You can read the twitter thread.\
Frugal vs. Independent
You would have heard stories of people who were frugal to the point of mental illness and died with millions of dollars of wealth. However, one needs to think if they were actually ill or completely free?
How To Understand A Continuous Glucose Monitor
I am planning to get a CGM in 2024 and monitor the impact of various foods on my blood glucose levels. If you want to understand why its important and how to use CGM’s, this is a good guide.
My personal blog - nirajdugar.com
Get in touch for financial planning - niraj@holisticwealth.in
Work website - Holistic Wealth
Twitter - contliving
Youtube - Niraj Dugar