It is interesting to find many similarities between personal finance management and how people handle their day-to-day life. This post is more about attitude than anything else. However, your perception and your way of acting will make an enormous difference for your career and your personal finance in general.
Before going to bed
The 10-15 minutes before I go to sleep is often used to recap my day and prepare the next one. I think of what has been done so far and try to make a game plan for what is coming next. This is a great way to make sure I didn’t forget anything important and that I will everything I want to do before the end of the week. These days, I am thinking mostly about my MBA.
It is funny how everything becomes possible right before going to sleep. I have ideas, I find solutions to problems and I decide exactly what needs to be done further one. Unfortunately, I don’t write any of this on a piece of paper and I close my eyes to get a few hours of sleep.
The Next Morning
My brain doesn’t really start in the morning until I am in the shower. Then, I start thinking about all the great ideas I had (or I dreamt about). The hot water running down my neck makes me realize that most of it is unachievable on a short term period. My ideas would be good for another situation but are completely useless for now.
I call this period the “reality check”. While this moment is not the most constructive of my day, it prevents me for going on something that has absolutely no sense.
The brain is sometimes a very lazy dog. If I would listen to it, I would not be writing this post write now. In fact, I would not have continued my blog period.
I suspect my brain letting my creativity works its full potential at night as the rational part of me knows that nothing will be done overnight. No efforts besides thinking will be required in my bedroom.
However, in the morning, actions need to be taken. This is where we have a tendency of finding all the “right” reasons for not doing things. In fact, we are pretty good at conquering the world in our bedroom, but we are cheap on actions to be taken the next day.
This is exactly where you need to take a step back (and put back some cold water in your shower!) in order to determine if your ideas were good or not. This is especially good for your work and when you are trying to solve money problems.
When you find solutions, write them down along with a few more lines explaining the basic plan of action. It will become much harder for your brain to let it go if it makes sense 😉
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