If your interest rate reduces, do not lower the EMI. Lower the tenure of the loan.If you find a cheaper interest rate, opt for it.Do whatever you can, to save on interest paid!

#14. Lower the tenure, not the EMI💸

When drafting a message or email, or replying to one, when saying hello or replying to their hello, say out people's names. You will never forget it then. And they will feel loved!

#5. Address people by their names. 🗣️

Your 25-year loan will now be paid in 13 years!

#11. If you have a loan, increase your EMI by 5% every year and pay 1 extra EMI every year. 💸

Unfollow those who make you laugh at other people's expense, those who make you feel jealous, though you make yourself feel ugly or incapable, those who spread hatred and anger. You are the 5 ideas you spend the most time with.

#23. Follow positive thoughts.🧘

Create a WA group with you and your best friend. Delete the best friend.Now the group has only you.Pin the group to the top. Use this group for sharing thoughts, capturing images, voice notes to yourself, whatever you want it to be!

#8. Create a Self-WhatsApp group.📱

Protect the time limits by a passcode. Let your family/friends decide on the passcode and not share it with you.When time is up, it is up!

#7. Put time limits for apps where you waste time.📵

Every day, before going to bed, write down something that you are grateful for.Anything at all. Place it in the jar.In moments of weakness, go through the notes.

#18. Keep a gratitude jar.🏺

Say good morning to yourself.Good nightI love youYou are enough Or say nothing.Look yourself in the eye.And just smile :)

#22. Smile at the mirror.🙂

It will be way cheaper.You will get covered for much longer.

#16. Buy term life insurance when you are young. 🦺

When you teach something, your own understanding of what you are teaching gets better.

#24. Teach people🧑‍🏫

It could be a task, a prediction, or a thought. Compose the email and schedule send it for sometime else.It is joyful when we have forgotten about something and then hear from our own selves.

#2. Send emails to your future self. 📧

They offer 30-45 days of free credit.They give you credit rewards points. They help you with your credit rating. However, always, ALWAYS pay the bill in full.

#15. Use credit cards.💳

Just you, and the sky. No clicking pictures.No one else.No music.Nothing. Just look at the stars.Imagine how big the world is.How there is space for everything and everyone.Including you!

#20. Every night, look at the stars for 2 mins.🌠

Carry a bottle with you, wherever you go.Ask for regular water at restaurants(that is what they are cooking your food in, as well)

#17. Don't buy water.🍶

When out, if you see somebody who needs help, helps them.Helping those you do not know, makes you feel good about yourself. You know you have nothing to gain from it.

#21. Help Strangers.💁

News will convince you the world is falling apart while making you feel guilty for not doing anything about it.

#9. Don't watch the news.📰

Pursue it through a side gig.Let it through a side gig.Let it give you joy.Get really good at it.Take your time. The day your side income replaces your main income, quit your job!

#12. Do not put pressure on your hobby to make money.🧑‍💻

The day you get your monthly salary, auto-transfer at least 20% of that to the investment bank account. You have to manage with the rest. Go figure!

#10. Have a separate bank account for investments.💹

When you desire a big purchase, do not buy it right away. Give yourself 30 days and ask yourself if you still want it just as much as you did earlier. If you do, go for it.Chances are you won't.

#13. The 30-day rule.✋

Write everything down.Put things on a calendar.Create a to-do list.Use a notes app.We overestimate our ability to remember things!

#3. Do not try to remember anything!🤔

Our mind gets distracted.Give it some space. Follow the Pomodoro technique.25 min of work.5 min breakRepeatAfter 2-4 of such pomodoros, take a longer 20 min break.

#25. Take breaks ⏳

Whenever given a task, even if an order, always check for the deadline.very often we have a different definition of urgency in our mind.

#6. Always ask "by when do you need this?" ⌚

Every birthday, write down 2-3 predictions for yourself, for the next year.And then next birthday, go through them.Over 3-5 years you will be amazed at how inaccurate your predictions were!

#4. Predict your future. (and then laugh about it.) 😂

Whenever angry, write down all that you are feeling. Record your voice, if writing is hard.Give your emotions an outlet.And then don't destroy them.

#19. Write angry letters. But don't send them.✉️

This will maintain eye contact without you feeling awkward. While making them feel heard.

#18. Keep a gratitude jar.🏺

Similar ideas to #18. Keep a gratitude jar.🏺

Count your blessings

Keep a gratitude journal

Gratitude is free