CategoriesFinancialObservePropertyReframe your thoughts

Good Debt

Some words just have a bad connotation. While others are riding high with positive brand awareness. Good debt straddles the middle.

For some, all debt is bad or evil or unnecessary. That is how it sits in the bad camp. However, those in the know about debt are happy to have good borrowings in their portfolio.

Generalisations do not help. Often as we get closer to the specifics of a topic we split off into different perception points. This is helpful. We can then better understand our position. Ideally we wouldn’t carry any debt for any purpose. Although, a little bit of borrowed money to help build a company, buy assets and get your future flowing, can be a good thing.

It is always interesting to me when people react to the word debt. It is a word many people want to clarify, if they do not condemn it straight away.

Many people have a difficult personal story involving borrowed money. It is not uncommon for people to have been in sizeable challenging positions when they were young. And unfortunately it is usually bad borrowing that they have collected.

I am trying to raise the awareness of debt, both good and bad, money, finances and life options. That is why I host Money Mindset Monday at 10:30am UK time on Clubhouse. My co-hosts / co-moderators are great and people get a lot of value.

In the meantime, get to know good debt.

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CategoriesActionHealth & FitnessTimeWeight loss

Get Good Sleep

Staying up too long can be devastating. You can start to weave, get the head nods, fall asleep and feel pretty bleh. Get good sleep. It is very important though often the first item to let go.

I do love sinking into bed after a long or tiring day. It could be physically tiring or it could be mentally tiring. Either way, it is nice to lay back, dream away and then get some good shut eye.

Keeping someone awake for too long can become a brutal weapon of torture. It doesn’t even take that long. Sleep deprivation is a real thing and can lead to unfortunate and even severe consequences. Be smart with the amount of sleep you get.

You generally need 7-8 hours of sleep per night. You should aim to get to bed earlier than later. Sleeping hours before midnight seem to be rated higher than those after midnight. In addition, try to get to bed at the same time every night. This is assisted by having a consistent bedtime routine. This winding down routine should not involve any screens (tv, phone, computer).

Drink your eight glasses of water earlier in the day. It will help you stay hydrated but also keep you from waking up to go to the toilet in the middle of the night. No one needs that kind of unnecessary sleep disruption.

Get good sleep.

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CategoriesActionGratitudeObserveReframe your thoughts

The Bright Side

There is always a bright side.

Sometimes we don’t see it and sometimes we don’t want to see it. If we are still reeling from an event or situation, we may not feel like looking on the bright side.

Whether you see it, don’t want to see it or don’t feel like embracing it, it is still there. Once you step over the little chasm in your mind, and sometimes begrudgingly admit it, it does feel pretty good. So why not get to that spot and start smiling as soon as you can.

From today, soon or recently for others, many of us will be experiencing the new normal. We may enjoy the idea of bits of it and loathe the thought of other bits. Either way, this is our global new normal. So we may as well look on the bright side.

Here are a few things I’ve observed:

It feels so calm. The streets are quiet with very few cars or pedestrians. We just need to be at home – nowhere else. No detailed and challenging calendars to check or update. Time with my son – we went for a run today along the quiet river path and enjoyed a great chat and sprint to the finish: he’s fast. We celebrated a big birthday of a friend on a Zoom conference call involving 3 countries. We cheered on two others having birthdays on Saturday and Sunday too.

People have been friendly, helpful, supportive, calm, pretty optimistic and resolute. Air and general pollution seems to be dropping rapidly and should continue to do so during the new normal period. This is fantastic in general but even more so for all the people that wanted more immediate and severe action on climate change – now it is happening. Schooling is going 100% online – how fascinating it will be to see how it works.

The world has changed. It seems like it happened overnight. There will be challenges ahead.

Remember to look on the bright side of everything. Make it part of your new normal.

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