Balance

How to Encourage Yourself During Tough Times

December 20, 2021 By Nagesh Belludi Leave a Comment

My biggest takeaway from Daniel M. Cable’s Exceptional: Build Your Personal Highlight Reel and Unlock Your Potential (2020) is maintaining an inventory of reminders of all of the things you’re grateful for: the achievements, accomplishments, things you’re proud of, and events you want to celebrate—even others’ notes of gratitude.

When you’re entranced by ongoing anxieties and unable to find refuge in presence, the negative self-talk becomes your default setting. Unable to focus on what is happening right now, you spiral downward and find yourself in ruts that hold you back from your potential. Reigniting a certain sense of pride within yourself can jolt you into a more optimistic cycle and create real personal change. It can enable you to maintain a stable center no matter what’s going on in your life right now.

Personal Highlight Reel - How to Encourage Yourself During Tough Times Research on the ‘Reflected Best-Self Exercise’ indicates that scanning the “highlight reel” of the best you’ve achieved in your life can help you, as it would a professional athlete, rediscover and reinforce how to repeat past successes. It can energize you to use your strengths even more and give more to others.

Idea for Impact: You make your most significant impact when focusing on what you do best. A personal highlight reel will remind you how others perceive you when you make your best impact and hope you build upon the unique strengths that make you exceptional.

Is Dave Ramsey Wrong? Pay Off Your Mortgage as Quickly as You Can?

November 29, 2021 By Nagesh Belludi Leave a Comment

Sure, personal finance guru Dave Ramsey’s advice has encouraged thousands of devoted followers to get out of debt and stop living paycheck to paycheck. Yet, depending on your circumstances, he may be dead wrong on paying off your mortgage early.

Is Dave Ramsey Wrong? Pay Off Your Mortgage as Quickly as You Can? A generation ago, mortgage rates were 6–10%. With interest rates that high, paying off your mortgage was a no-brainer. Today, however, interest rates are 2.5–4%, making a different story. You could pay off your mortgage quicker if you’d like. But with the low-interest rates today, you may want to consider investing instead of paying off the low-interest debt. The average stock market return for buy-and-hold investors over the long term is about 7% annually, even after considering inflation.

In sum, Dave Ramsey’s advice just doesn’t make as much sense today with how low-interest rates are comparatively.

But some nuance is in order: Ramsey promotes financial stability. He accepts the risk of missed investment returns in exchange for the guarantee of reduced financial obligations. On balance, investing in the market while carrying a mortgage is tantamount to leveraging debt.

Idea for Impact: Ramsey measures opportunity cost as the difference between paying down your mortgage and the worst-case stock market investment scenario. So, unless you’re extraordinarily risk-averse and can’t take the risk in the market, you shouldn’t pay off your mortgage early. Invest in a low-cost index fund, and don’t let short-term movements sway your decisions.

Take Time to Savor Life’s Little Pleasures

September 27, 2021 By Nagesh Belludi Leave a Comment

Take Time to Savor Life's Little Pleasures

Happiness researcher Meik Wiking’s The Art of Making Memories (2019) observes that the Danes are famously happy despite “horrific weather and some of the highest tax returns in the world” because they take time to savor life’s little pleasures. It’s part of Hygge (pronounced “hue-guh,”) the Danish wellness mindset that encourages a spirit of contentedness.

When life gets busy, it’s way too easy to rush through the motions without paying attention to little experiences. Our lives ultimately consist of these tiny movements, one after the other. Fresh sheets. The smell of wet earth after rain. An old favorite song at the right moment. The kindness of a stranger. We take these gifts for granted and brush by them without really breathing in their grace.

Wiking suggests that you can truly rejoice in life by training your brain to focus on the positive in your day-to-day experiences. At the end of each month, reflect on the past month by celebrating the “Happy 10.” Look through the photos on your phone, choose your favorite ten memories, put them in an album or journal, and think about why you enjoy them.

Idea for Impact: Happiness isn’t determined by circumstances. Happiness is what happens when you decide to relish joy.

Savor the beauty and richness of simple pleasures. Take a moment at the end of each day/week/month/year to appreciate what you’re grateful for.

Do These Three Things In The Morning For A Better Day

August 12, 2021 By Nagesh Belludi Leave a Comment

Do These Three Things In The Morning For A Better Day

Mornings can be challenging to get up and get going, especially when work is home and home is work. If you want to hit the ground running each day, do these three simple things to make your mornings much less frenzied:

1/ Wake up to a clean space. Waking up to a disorganized home, overflowing trash, or a sink full of unwashed dishes can really put a damper on your day. The clutter and untidiness can wind you up if you have no clean cups and plates for your breakfast or you can’t find whatever you need to get your day started. Have a more pleasant and productive morning by taking care of all these chores the night before. Organize together everything you need for the next day.

2/ Make time to exercise. Exercising first thing in the morning doesn’t just perk up your body; it also boosts your spirit and metabolism and leaves you feeling invigorated. If you aren’t a morning-exercise kind of person, try to wake up 15 minutes earlier to do a few simple stretches, pushups, lift hand weights, and pace up and down the stairs a few times. You’ll kick off your day feeling a little more vibrant and refreshed.

3/ Make a to-do list. Start your morning by identifying what your day is going to look like. This way, you’ll feel more in control of your time and get more done. Ask yourself this question, “When the day is over, and I’m getting ready to go to bed, what would I have accomplished today to give me a tremendous sense of achievement?” Prioritize things that have to be at the forefront. Planning is easiest when your mental clarity is sharpest, which, for most people, is first thing in the morning.

A simple morning habit allows you to take control of your emotional state. It sets precedence and intent for the day.

The Dutch Practice of Doing Nothing: Niksen

July 26, 2021 By Nagesh Belludi 1 Comment

The Dutch have this practice they call Niksen (from niks doen, literally “nothing-ing.”) It entails being intentional about doing absolutely nothing. Doing something without purpose. A sort of sanctioned daydreaming indeed.

Niksen is gazing out the window and letting your mind wander. Unlike mindfulness meditation, in Niksen, you’re not observing your thoughts. You aren’t focusing on your breath. Nor are you bringing awareness back to the present moment.

In Niksen, you’re just being. You’re taking a break. You’re practicing stillness. You’re staring vacantly at the horizon. You’re taking the time to sit or stand—just be wherever you are. And you don’t do anything on purpose. No effort whatsoever. When thoughts occur, you don’t interrogate them; you simply let them come and go as they please.

Niksen - Dutch Technique of Doing Nothing, Just Being

As a stress-busting technique, Niksen is increasingly popular. Doing nothing is turning your back on hyper-connectedness and the storm of stress, anxiety, and depression. Scientists have shown that letting your minds escape from the task at hand helps different parts of your brain activate. This allows you to access information that may have previously been dormant and inaccessible. This accounts for creativity and heralds insights into wisdom.

Idea for Impact: Try Niksen, even for a minute or two each hour. It’s a great way to give yourself a little bit of wiggle room in moments of tension and fretfulness. At a minimum, brief escapes can add color and intrigue to your life and open you out beyond the quotidian.

Half-Size Your Goals

July 24, 2021 By Nagesh Belludi Leave a Comment

At the start of the year, if you’re like most people, you selected a bunch of lofty, impossible goals. Now, halfway through the year, you feel disappointed and let down with yourself. In fact, the longer your goals list, the more overwhelmed and off-track you’ve got.

Simplify Your Goals - Set a Less Difficult Version As part of your mid-year review, reflect on the first six months of the year and adjust your goals for the rest of the year. Revisit your goals, assess your progress, evaluate your approach, and change your timeline. Break big ambitious goals down into more manageable decisions and improve the odds of achieving the type of outcome you desire.

Try half-sized goals. If you’re struggling to attain a goal that seems to be too challenging, set a less difficult version of the goal.

If you’re not getting good results, then you go back and tweak what you’re doing. Don’t feel the need to change everything in your life at once.

Don’t Quit Your Job Just Yet

June 28, 2021 By Nagesh Belludi Leave a Comment

Don't Quit Your Job Just Yet

As the pandemic subsides, many people are quitting their jobs after being summoned back to the office. A common motive is a life and career reorientation.

During the pandemic, many people started examining work in the context of meaning in life. Isolated from co-workers and customers, they started to feel like their jobs became just the work itself. Some are burned out and dread retreating to the daily life of distractions, commutes, and long office hours—often at the expense of flexibility and family and personal wellbeing.

Overall, people have used the space and time to reflect upon their lives and explore their life priorities. They’ve aspired to take some time off and figure out what they really want to do. Now, they feel like they can afford to take risks and try something new. The money they’ve saved up from lower everyday expenditures during the pandemic can tide them through the transition time.

If you’re thinking of taking a break from work now, don’t quit your job just yet. Give your employer a chance to address your concerns and preferences. Discuss your ambitions for change. Most managers are willing to make the necessary changes and explore hybrid work alternatives. Even if your current situation doesn’t fully jibe with your life’s goals, you could find a suitable sweet spot.

Idea for Impact: Don’t quit until you’ve established yourself in the future path. If you want to take some time off, have a plan ready. If you have the itch to become an entrepreneur, first get your stakes on a side hustle.

Don’t sacrifice that steady paycheck until you’re well positioned for what you want to do next. It usually takes you a lot longer than you think to find a new job, become self-employed, or prepare for a meaningful sabbatical.

How to Start a Hybrid-Remote Work Model

June 19, 2021 By Nagesh Belludi Leave a Comment

As the pandemic subsides (at least for now,) many companies are summoning employees back to the office. Some companies are giving workers a combination of remote and co-located work.

To initiate a hybrid-remote model for your workplace, first reconstruct how your team gets its job done. Ask, “What activities can be remote?” instead of “what roles can be remote?”

Not every activity can be equally performed in a remote setting. Take into account the level of human and physical interaction needed for every task.

How to Start a Hybrid-Remote Work Model

Consider breaking down business activities that were formerly bundled into a single job. Mix and match responsibilities and tasks in keeping with employee competencies and individual needs.

Every employee responds to work circumstances differently. Some employees are eager to return to work—especially if they’ve struggled with blurring home and office during the pandemic, or if they fear disadvantages such as a lack of visibility for promotions.

This Hack Will Help You Think Opportunity Costs: Goals and Anti-Goals

March 29, 2021 By Nagesh Belludi Leave a Comment

Goals and Anti-Goals---Opportunity Cost Making decisions is all about opportunity costs. For instance, every time you spend money to get something, you should ask yourself what else, perhaps of better value, you could get with that money—now or later.

The problem is, when forced to choose between something immediate and concrete and something else that’s comparatively abstract and distant, the opportunity cost could lack clarity.

Duke University behavioral economist Dan Ariely proposes the notion of “anti-goals” to help examine the trade-offs you’re forced to make. Ariely encourages pairing goals such that if you satisfy one, you’ll impede the other. For example, when choosing to spend $100 on an evening out today, you can consider a tangible anti-goal—say, saving for the family’s summer vacation—that’ll be held back.

Idea for Impact: Thinking about what you want to avoid—the anti-goal—is a potent tool. It allows you to focus on things that really matter.

When Work is Home and Home is Work

December 11, 2020 By Nagesh Belludi Leave a Comment

Working From Home - Set Boundaries As much as you love lounging around all day in athleisure wear or plush robes, it’s easy to mix home- and work-life when working from home during the current pandemic.

Work is always available to you, and self-scheduling has caused work to spill over into non-work hours.

Have a designated workspace away from your personal life and personal tasks. That’ll create not only a physical barrier but a mental and social one as well.

When you practically live in your office, it’s hard for your brain to recognize when it’s okay to entirely shut down. Create some boundaries. Maintain regular office hours, switch off your computer and put it away, and disconnect completely.

Idea for Impact: Mindfully uphold boundaries from morning until evening. Follow a routine similar to the one you had before COVID-19 to accomplish your goals without losing your mind.

Balance

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