Improving your life and mindset

We all want happiness in our life, but, most of the time, we don’t appreciate the things we already have before wishing we had something else.

The first step is to be grateful for what you have even if you have little and also, be grateful for where you are right now. Your past self could not be believe what you went through and where are you know. Be calm and grateful. Even if you are feeling lost right now, it is a step in discovering who you are really are. As Jeff Gains, says in his book, Find who you really are, you don’t need to find your vocation, you need to try new things and be on the move. Eventually, something will take over, will call you just like when you fall in love. As Jay Shetty say Explore & Experiment in order to find out who you really are.

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Be open to learn new things and be aware of the opportunities you came along. Pivot around the obstacles. There is a word I really like , it is called neuroplasticity – the ability of your organism to replace/reprogram your existing patterns /genes into new ones. This means that even though you may suck at something , for example at socializing with people, you may have anxiety, you can suppress that by putting yourself into new situations and go talk to people in social engagements.

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In the book The power of Failure, dr. Tim Cantopher, say that a person is more happier if he has an objective. Those objectives should be clear and to be clear about what you want in life. He says that any disease related to stress should be seen as a indicator of a need to change. Also, he emphasizes that you need to pay attention to your relationships. In order to feel good, you need to also receive, not to be always that constantly gives.

Read, listen to everything around yourself, and also pay attention to your inner world while dealing with the world. You can do everything you want. Trust yourself. Trust yourself in any situation.

How to be wise with money

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Have you ever struggled with money? Maybe you didn’t have all the money you needed while growing up or maybe now, you have a decent amount of money, but you keep overspending. Money is just one aspect of your life. The relationship with money starts in your mind.

What you are planning to achieve in your life? Do you want a family? Or do you want to live on your own terms? Having a clear perspective of your goals helps you budget better and stay on your track with your finance. If you are at the point in your life where do you want to travel the world, a house may not be a priority, so your budget may something like this: 50% needs/general expenses, 30% travel budget and 20% savings. In that part of 20% of savings, you can save 10% for a house in the future and 10% for emergencies, this way you are not spending all your have.

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In case you are already married, or you have a child, you may wish to have a house. In that case, many people go to a bank and ask for a credit. They will be in debt for the next 10-30 years for an asset they wish to posses. So, if you are planning to own a house, start searching the best bank credits with small interest rates, but beware of the hidden costs such as commissions. From my personal point of view, you should make a credit only when you are ready , not at the pressure of society to own a house. You don’t have to do what everyone else is doing . If you are comfortable with staying in a rented house, go ahead and do that for a couple of years before figuring things out. For me, personally, going in debt in order to buy a house is not applicable, since I consider that you should have a job that you are passionate about or at still like doing it, or working in a field that you see yourself working in for years. You need to be able to have a job, a steady income for that debt to be re-payed over the years.

Regarding investments, the best investment you can made is into yourself. It seems logical, that you are the only person that you will always have. So, be strong mentally and psychically fit, you can achieve everything you want.

In order to be financial wise, I recommend reading all Robert T. Kiyosaki’s books (https://www.richdad.com/, consulting Investopedia site (https://www.investopedia.com/) and The Financial Diet (https://thefinancialdiet.com/).

I hope that this help in some way or another..

Thank you reading 🙂