A few years ago, I had a brilliant New Year’s resolution: I was going to become a morning person. You know, the kind who wakes up before sunrise, drinks a green smoothie and writes three pages of a journal.January was great. I was waking up at 6 a.m. I was having healthy breakfasts. And I wrote a journal for a while. But in a few weeks, the journaling habit stopped. I started to crave more sugary breakfasts. And waking up at 6 a.m. became too much.By mid-February, I had failed all my New Year’s resolutions. By the end of the year, I was drowning in unmet goals and feeling defeated.

New Year's Resolutions

Creating a vision is like building a compass. It’s not about setting goals but aligning them with the different areas of your life. This is where the wheel of life comes in — a tool I use every year to build a balanced and fulfilling roadmap.But today, we’re not only talking about the wheel of life. We will try to bring that concept to the next level. Today, I’ll walk you through how to create a powerful vision for 2025.<ul><li class="ql-align-justify">We will start by assessing our life with the wheel of life.</li><li class="ql-align-justify">Then, we will find a goal for every key area of our lives.</li><li class="ql-align-justify">And finally, we will put everything into our vision board.</li></ul>

The Bold Vision

🎯 This is Part 3/9 of the Series Your Best Year YetYou’re reading part three of Your Best Year Yet: A Step-by-Step Guide — a special year-end series designed to help you reflect on the past year, set transformative goals, and create a plan to thrive in the year ahead.In the upcoming issue, we will explore the fascinating concept of Misogi — a transformative path that will define your year. <a href="https://cosmopolitanmindset.substack.com/publish/post/https://cosmopolitanmindset.substack.com/subscribe">Subscribe</a> not to miss it!

[The Challenge] - Your Best Year Yet

Most people don’t think about their goals on New Year’s Eve. They want to party. And that’s completely fine. But for the people who make resolutions, you can’t pretend your job’s finished once you write your goals on a sticky note.I know it’s a romantic idea — keeping it analogical and finding that note next year. But there are two problems with that:<ul><li class="ql-align-justify">First, you won’t find that note in 90% of the cases. </li><li class="ql-align-justify">And second, you will probably never check what you wrote on it and only remember it in December next year. </li></ul>

Why a Vision Board Matters? (1)

Studies show that people who visualize their goals are significantly more likely to achieve them. In 2011, a study by the Journal of Experimental Social Psychology found that participants who visualized their desired outcomes felt more motivated and performed better.But it’s not just about motivation.Vision boards work because they engage your brain’s reticular activating system (RAS) — the part of your brain that filters information and highlights what’s important.

Why a Vision Board Matters? (2)

Have you ever noticed you start seeing your dream car everywhere after deciding you want it? That’s your RAS at work. And a vision board keeps your goals front and center. It helps your brain spot opportunities to make them happen.Think of it as your GPS for 2025. It keeps you on track. It reminds you of your purposes. And it makes the journey more exciting.Let’s dive into it.

Why a Vision Board Matters? (3)

You're reading an excerpt from <a href="https://cosmopolitanmindset.substack.com/">The Challenge</a> — a weekly newsletter dedicated to self-improvement, goal-setting, habits, time management, and health tips.Every week, you'll receive:<ul><li class="ql-align-justify">A life-enhancing challenge</li><li class="ql-align-justify">A custom infographic to track your progress</li></ul><a href="https://cosmopolitanmindset.substack.com/subscribe">Subscribe now</a> and start your first challenge.

The Challenge

The wheel of life is a visual representation of the key areas of your life: Physical, Mental, Spiritual, Love, Family, Friends, Purpose, Finance, and Growth.Imagine each area as a spoke in a wheel. The wheel can’t roll if one is too short. A balanced wheel means a smoother ride. So, if you neglect one area, the journey feels bumpy.

1 — Fill Your Wheel of Life (1)

As you can see above, I’ve written about this concept before. But here’s a quick refresher on the nine categories of the wheel.<ul><li class="ql-align-justify">Physical : Your health and fitness.</li><li class="ql-align-justify">Mental : Your emotional well-being.</li><li class="ql-align-justify">Spiritual : Your sense of connection, whether through faith, mindfulness, or something else.</li><li class="ql-align-justify">Love : Your romantic relationships.</li><li class="ql-align-justify">Family : Your connections with relatives.</li><li class="ql-align-justify">Friends : The bonds that give you a sense of belonging.</li><li class="ql-align-justify">Purpose : Your career or mission in life.</li><li class="ql-align-justify">Finance : Your financial health and stability.</li><li class="ql-align-justify">Growth : Your personal development. </li></ul>The first step is to assess where you are right now.

1 — Fill Your Wheel of Life (2)

Where are you thriving? Where do you feel stuck? This snapshot will help you see where to focus your energy in 2025.<ul><li class="ql-align-justify">Assess Each Area : Rate each area on a scale of 1 to 10. </li></ul><ol><li class="ql-align-justify">Identify the Gaps : Look for areas where you feel stuck or neglected. This year, my biggest gaps were in health and mental health, two things I rarely prioritized.</li><li class="ql-align-justify">Visualize Balance : Imagine what a balanced wheel would look like for you. It doesn’t mean every area scores a perfect 10, but each one should feel cared for. </li></ol>

How to Fill the Wheel of Life

Once you’ve assessed your wheel of life, it’s time to create specific goals for each area. These don’t have to be monumental. But they should align with what you want. Here are a few ideas for inspiration (you can find more in the related article) :

2 — Craft New Goals for Each Area

<ul><li class="ql-align-justify">Physical :</li></ul><ol><li class="ql-indent-1 ql-align-justify">Train for a 10K run.</li><li class="ql-indent-1 ql-align-justify">Try a new fitness class (yoga, kickboxing, etc.).</li><li class="ql-indent-1 ql-align-justify">Build a consistent sleep routine.</li></ol><ul><li class="ql-align-justify">Mental :</li></ul><ol><li class="ql-indent-1 ql-align-justify">Read 12 books (one per month).</li><li class="ql-indent-1 ql-align-justify">Start journaling for 10 minutes a day.</li><li class="ql-indent-1 ql-align-justify">Practice gratitude by listing three things daily.</li></ol><ul><li class="ql-align-justify">Spiritual :</li></ul><ol><li class="ql-indent-1 ql-align-justify">Meditate for 10 minutes every morning.</li><li class="ql-indent-1 ql-align-justify">Explore a new spiritual or philosophical practice.</li><li class="ql-align-justify ql-indent-1">Spend time in nature weekly.</li></ol>

Physical, Mental & Spiritual Goals

<ul><li class="ql-align-justify">Love :</li></ul><ol><li class="ql-indent-1 ql-align-justify">Plan one meaningful date night per week.</li><li class="ql-indent-1 ql-align-justify">Practice active listening in conversations.</li><li class="ql-indent-1 ql-align-justify">Write a love letter to your partner every month.</li></ol><ul><li class="ql-align-justify">Family :</li></ul><ol><li class="ql-indent-1 ql-align-justify">Schedule monthly get-togethers with extended family.</li><li class="ql-indent-1 ql-align-justify">Call a relative once a week.</li><li class="ql-indent-1 ql-align-justify">Start a family tradition, like Sunday dinners.</li></ol><ul><li class="ql-align-justify">Friends : </li></ul><ol><li class="ql-indent-1 ql-align-justify">Reconnect with a friend you’ve lost touch with.</li><li class="ql-indent-1 ql-align-justify">Plan a group trip or outing.</li><li class="ql-align-justify ql-indent-1">Make time for regular one-on-one meetups.</li></ol>

Love, Family & Friends Goals

<ul><li class="ql-align-justify">Purpose : </li></ul><ol><li class="ql-indent-1 ql-align-justify">Take a course to improve your skills.</li><li class="ql-indent-1 ql-align-justify">Set a revenue or impact goal for your work.</li><li class="ql-indent-1 ql-align-justify">Volunteer for a cause you care about.</li></ol><ul><li class="ql-align-justify">Finance : </li></ul><ol><li class="ql-indent-1 ql-align-justify">Build a three-month emergency fund.</li><li class="ql-indent-1 ql-align-justify">Track your spending for three months.</li><li class="ql-indent-1 ql-align-justify">Invest in a long-term savings plan.</li></ol><ul><li class="ql-align-justify">Growth : </li></ul><ol><li class="ql-indent-1 ql-align-justify">Learn a new language or skill.</li><li class="ql-indent-1 ql-align-justify">Attend a workshop or conference.</li><li class="ql-indent-1 ql-align-justify">Start a side project you’re passionate about.</li></ol>

Purpose, Finance & Growth Goals

Once you’ve outlined your goals, it’s time to bring them to life visually. Here’s how to create a vision board (infographic in the article) :<ol><li class="ql-align-justify">Reflect on Your Wheel of Life : Consider your goals for each area. What visuals or quotes represent those goals?</li><li class="ql-align-justify">Gather Your Supplies : Collect magazines, printouts, markers, or use a digital tool.</li><li class="ql-align-justify">Create Sections : Divide your board into areas that mirror the wheel of life.</li><li class="ql-align-justify">Add Personal Touches : Add photos, words, or symbols that resonate deeply with you. </li><li class="ql-align-justify">Place It Where You’ll See It : Keep it visible to stay inspired. </li></ol>

3 — Build Your Vision Board

The final step is bringing your vision to life. <ol><li class="ql-align-justify">Break It Down : Big goals felt overwhelming, so I broke them into bite-sized steps. </li><li class="ql-align-justify">Build Momentum with Micro Wins : Start with small steps that lead to bigger achievements.</li><li class="ql-align-justify">Review Your Vision Regularly : Take 10 minutes every Sunday to revisit your goals.</li><li class="ql-align-justify">Schedule Time for Your Goals : Block time on your calendar for specific actions. </li><li class="ql-align-justify">Adjust as Needed : Life happens, and goals shift. The key is to stay flexible while keeping your vision in mind. </li></ol>By taking consistent action, your vision won’t only be a dream. It will become your reality.

4 — Align Vision and Actions

When you create a vision for 2025, you’re giving yourself direction, purpose, and clarity.A well-crafted vision touches every part of your life. It connects your physical health to your personal growth. And it ensures you are moving forward with balance and intention.Take this week to build a vision board for 2025 that takes care of every aspect of your life. Start with the wheel of life, and pick at least one goal for each section. Then, find other goals for sections in which you are performing worst.[DOWNLOAD THE FREE INFOGRAPHIC <a href="https://cosmopolitanmindset.substack.com/p/the-bold-vision">HERE</a>]

<ul><li class="ql-align-justify">Spread the word! Share <a href="https://cosmopolitanmindset.substack.com/">The Challenge</a> with friends and family.</li><li class="ql-align-justify"><a href="https://cosmopolitanmindset.substack.com/subscribe">Subscribe today</a> to support the ongoing creation of this content.</li><li class="ql-align-justify">Want more? Explore my other work at <a href="https://www.cosmopolitanmindset.com/">Cosmopolitan Mindset</a>.</li></ul>

Next Steps

Kickstart your New Year with a bold vision! Discover actionable strategies for setting powerful, achievable goals that align with your aspirations.

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Motivation & Inspiration

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The Bold Vision: How to Set a Powerful Goals for the New Year

They say our life flashes before our eyes when we’re about to die. But we get a yearly preview during the last week of December.Goodbye, October 31st — New Year’s Eve is the Halloween of unfinished tasks. Especially in the morning, when the champagne hasn’t yet numbed your brain, you’re still painfully aware of all the commitments you failed to keep.

The Halloween of Unfinished Tasks

Last year, I was in my cluttered kitchen, staring at a towering pile of unread emails. It wasn’t just emails, of course. There were plans I’d quietly let slip, projects I’d confidently told myself I’d finish someday , and an ever-growing heap of tasks I’d shoved aside.For the emails, at least, there was a quick fix. A satisfying click of select all and delete wiped out months of guilt. But the rest? Not so easy to dismiss.

Removing the Clutter

🎯 This is Part 2/9 of the Series Your Best Year YetYou’re reading part one of Your Best Year Yet: A Step-by-Step Guide — a special year-end series designed to help you reflect on the past year, set transformative goals, and create a plan to thrive in the year ahead.In the upcoming issue, you will learn to build a vision to guide your actions for the new year’s challenges. <a href="https://cosmopolitanmindset.substack.com/publish/post/https://cosmopolitanmindset.substack.com/subscribe">Subscribe</a> not to miss it!

Have you ever felt like you’re dragging a bag of unfinished tasks, unresolved relationships, or mental clutter into the new year?Trust me — you’re in good company.Studies show that 82% of people leave at least one major project or goal unfinished each year. But those loose ends don’t vanish when the calendar flips to January. Instead, they lurk like that weird smell in your fridge, quietly draining your energy, focus, and appetite.

The End-of-Year Closeout (1)

Last week, you analyzed your past year to understand your wins and challenges. This week, here’s another personal tradition for you — the End-of-Year Closeout .The concept is simple: you have to tie up the loose ends at the end of the year. Find a solution for any unfinished tasks, unresolved conflicts, or even that chaotic drawer you’ve been pretending doesn’t exist, and create mental space.

The End-of-Year Closeout (2)

Lighten the load and set yourself up for the new year with clarity, confidence, and purpose. Don’t carry the unfinished business into every January. It’s time to take action. And don’t worry — it’s not about perfection or crossing off every item on your to-do list. It’s about prioritizing what matters and letting go of what doesn’t.

The End-of-Year Closeout (3)

Let’s talk about the impact of unfinished business.Loose ends have a measurable effect on your mental health and productivity beyond the nagging feeling that you’ve forgotten something.

Why Closing Loose Ends Matters

Unfinished tasks are one of the top five causes of workplace anxiety , according to the American Institute of Stress (2022). And the mental burden of carrying unresolved items — even small ones — adds to overall stress levels.

a. The Stress of the Incomplete

Incomplete tasks lodge in your memory more persistently than complete ones. Psychologist Bluma Zeigarnik identified a phenomenon that creates mental open tabs that drain cognitive energy.

b. The Zeigarnik Effect

Princeton Neuroscience Institute found that physical clutter can compete for your attention and reduce your ability to focus. When your environment is chaotic, your mind struggles to stay clear.

c. The Clutter and Mental Overload

Lingering obligations can distract you from pursuing new opportunities. And this may be the most important effect of loose ends. In 2019, a study found that 76% of people felt they couldn’t focus on new goals because they were preoccupied with old ones .So closing ends isn’t only an exercise to feel good. It’s a practical, evidence-based strategy for reducing stress and maximizing your potential.Let’s see how you can do it fast.

d. The Missed Opportunities

Before closing your loose ends, you need to know what they are.Think of it as your mental audit . Set aside 30 minutes in a quiet space (the same as the <a href="https://cosmopolitanmindset.substack.com/p/the-year-that-was-a-reflective-guide">previous issue</a>). Grab a pen and paper (or the infographic below), and start listing.

1 — Start With a Mental Inventory (1)

To help you job your memory, think in categories.<ul><li class="ql-align-justify">Tasks: Projects you started but never finished. Bills you meant to pay. </li><li class="ql-align-justify">Relationships: Conversations you avoided. Apologies you need to make. Messages you promised to send but didn’t.</li><li class="ql-align-justify">Physical Spaces: A cluttered closet. A chaotic junk drawer. </li><li class="ql-align-justify">Habits or Promises to Yourself: Goals you set but didn’t follow through on. </li></ul>Don’t censor yourself. This exercise is not meant to judge what you should or shouldn’t do. It’s about discovering what is in your mind. You might not even be aware of some of the recursive thoughts that will come up.

1 — Start With a Mental Inventory (2)

Now that you have a list (the most important thing for us personal growth geeks) , it’s time to get ruthless.Not every loose end needs to be tied up. And holding onto unnecessary commitments is one of the biggest barriers to starting fresh. Ask yourself three questions for each item:<ol><li class="ql-align-justify">Does this truly matter to me, or am I holding onto it out of guilt or obligation?</li><li class="ql-align-justify">Will completing this add value to my life, or is it just busy work?</li><li class="ql-align-justify">Is this task aligned with my goals for the future?</li></ol>

2 — Let Go of What No Longer Serves You (1)

I had a half-finished fantasy book project on my Google Drive and told myself I’d finish it someday. But I’d lost interest in it entirely, and keeping it around only made me feel guilty when I opened its folder.Letting it go was liberating. And I don’t mean deleting it. Putting it in a safe place where you don’t always see it is enough.Sometimes, letting go feels hard. So you can reframe those decisions to prioritize what matters most. It doesn’t have to mean you are quitting forever. You are choosing to leave for now.

2 — Let Go of What No Longer Serves You (2)

People try to finish everything at once, but it always leads to overwhelm and procrastination. So, create a plan to tackle each task and commitment you decide to keep. A one-at-a-time approach works best. <ol><li class="ql-align-justify">Start Small : Begin with the easiest task on your list. Research shows that completing small tasks first creates momentum (I’ve talked about that <a href="https://cosmopolitanmindset.substack.com/p/deep-work-and-flow">here</a>.)</li><li class="ql-align-justify">Set Deadlines : Set a realistic deadline for each task. Be specific. Don’t write things like I’ll do it next week.</li><li class="ql-align-justify">Use the 2-Minute Rule : If a task can be done in two minutes or less, do it immediately. </li></ol>

3 — Break Down One Loose End at a Time (1)

Last year, one of my lingering tasks was organizing my email. I mixed my private and work life at the same address. I didn’t set up any rules to split my tax notifications, job offers, and readers wanting to interact. And many times, I lost a few important opportunities because of that.It took me 30 minutes to fix everything. I split my emails into five different folders. I have one for taxes and subscriptions, one for work, one for personal growth feeds, emails from my subscribers, and general topics. And until then, I’ve never missed an email ever again.

3 — Break Down One Loose End at a Time (2)

Conversations are some of the heaviest loose ends.Unresolved conflicts or unspoken words can weigh on you far more than a messy desk. And the end of the year is the perfect moment to release that pressure.Consider whether it’s time to address lingering tensions with someone. This doesn’t mean jumping into a confrontation. Sometimes, you can search for closure from within — writing a letter you never send or acknowledging your feelings and letting them go.Other times, you will have to take action.

4 — Create Closure in Relationships (1)

Last year, I realized I hadn’t spoken with a friend for months. Reaching out felt scary because I didn’t know if I did anything to make them angry at me. But when I did, it lifted a huge weight off my shoulders. And it turns out he thought the same things about me.It was the perfect moment to reconnect. We have solved our conflicts, and now we often hang out. But our paths may have split forever if I hadn't reached out.

4 — Create Closure in Relationships (2)

Don’t forget to celebrate your progress.Every loose end you close is a victory. Here’s an idea to help you achieve more: the completion jar. Write each of the loose ends you have to complete on different pieces of paper. Each of them will have a task and a deadline. Whenever you finish a task, throw it into a jar. And at the end, read through your notes and reflect on how far you’ve come.<ul><li class="ql-align-justify">(SAFE VERSION) Write a reward on the jar and collect it only once you finish all the tasks.</li><li class="ql-align-justify">(UNSAFE VERSION) Once you’re done reading, set the jar on fire. I did it last year, and it felt liberating. </li></ul>

5 — Celebrate Your Wins

Closing ends isn’t just about decluttering your life. It’s about freeing yourself to embrace the future without the weight of unfinished business.Notice how much lighter you feel as you complete your End-of-Year Closeout . That’s the power of starting the new year with a clean slate.This week, focus on the tasks you haven’t finished yet — there’s still a whole month left. Write those tasks. Set a deadline. Prepare the completion jar. And get ready to fill it up!Below, you can find an infographic that could help you.[DOWNLOAD THE FREE INFOGRAPHIC <a href="https://cosmopolitanmindset.substack.com/p/closing-loose-ends">HERE</a>]

Start the new year fresh by closing loose ends in your life. Learn practical tips to declutter, set goals, and embrace a clean slate for success.

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Productivity

Closing Loose Ends: How to Start the New Year With a Clean Slate

It was a cold December evening two years ago. I was sitting in my favorite corner of the living room, staring at the blank page of my daily journal. The year was coming to a close, and I had that sinking feeling I’d been carrying for a week — the gnawing sense that I’d missed the mark yet again.I hadn’t finished the book I planned to write. I hadn’t started going to the gym as I promised since spring. And worst of all, I couldn’t even remember half the goals I’d set for myself at the start of the year. I took a deep breath. I stopped blaming myself. And I began asking questions instead.

The End-of-Year Shame

Why hadn’t I finished the book? What got in the way of going to the gym? That evening marked the beginning the End-of-Year Review tradition (here’s an <a href="https://cosmopolitanmindset.substack.com/p/how-to-rate-your-goals-at-the-end">early version of the idea</a>) . It’s a list of wins and losses and a deep dive into the past year’s patterns, habits, and lessons. The insights I gained were the key to finally breaking the cycle of unmet resolutions. Today, I want to walk through the same process. It won't matter whether your 2024 was a year full of triumph, struggle, or anything else. The review will help you understand it and lay the foundation for an extraordinary 2025.

The End-of-Year Review

🎯 This is Part 1/9 of the Series Your Best Year Yet You’re reading part one of Your Best Year Yet: A Step-by-Step Guide — a special year-end series designed to help you reflect on the past year, set transformative goals, and create a plan to thrive in the year ahead.In the upcoming issue, we’ll dive into closing loose ends to avoid setbacks caused by your past goals. <a href="https://cosmopolitanmindset.substack.com/subscribe">Subscribe</a><a href="https://cosmopolitanmindset.substack.com/publish/post/https://cosmopolitanmindset.substack.com/subscribe?"> </a>not to miss it!

Reflection isn’t only about looking back — it’s about learning. And you can make better decisions for the future when you understand what worked, what didn’t, and why.Think about it. How often did you rush into the new year with fresh goals, only to abandon them by February?It’s not because you lack motivation. It’s because you skip the most important step: learning from the year you’ve just lived.

Why Do an End-of-Year Review? (1)

An End of Year Review allows you to:<ul><li class="ql-align-justify">Celebrate your achievements and build confidence. </li><li class="ql-align-justify">Identify and address patterns that hold you back. </li><li class="ql-align-justify">Gain clarity on what truly matters to you. </li></ul>The process is not complicated. However, it requires honesty, curiosity, and a little time. So grab a notebook, find a quiet spot, and get started!

Why Do an End-of-Year Review? (2)

Would you rush into a big project without preparation? Well, this review is no different. Start by creating an environment where you can focus and think clearly.<ul><li class="ql-align-justify">Find Your Space. Pick a place that feels comfortable and free of distractions. </li><li class="ql-align-justify">Gather Your Tools . Bring a notebook or journal and any notes, calendars, or goal trackers from the past year if you’ve kept them.</li><li class="ql-align-justify">Adopt the Right Mindset . You won’t use this session to judge yourself. You will use it to understand what you did and why. </li></ul>Are you ready? Let’s start with the first part of the review: celebrating wins.

1 — Set the Stage for Reflection

You're reading an excerpt from <a href="https://cosmopolitanmindset.substack.com/">The Challenge </a>— a weekly newsletter dedicated to self-improvement, goal-setting, habits, time management, and health tips.Every week, you'll receive:<ul><li class="ql-align-justify">A life-enhancing challenge</li><li class="ql-align-justify">A custom infographic to track your progress</li></ul><a href="https://cosmopolitanmindset.substack.com/subscribe">Subscribe now</a> and start your first challenge.

When I started my first End-of-Year Review, I was so focused on what I hadn’t done that I almost missed what I had accomplished. It wasn’t until I sat down and wrote a list of wins — no matter how small — that I realized how much I’d grown.Ask Yourself: <ul><li class="ql-align-justify">What am I proud of accomplishing this year?</li><li class="ql-align-justify">Which moments brought me the most joy or fulfillment?</li><li class="ql-align-justify">Who or what made those successes possible?</li></ul>I know these sessions could be intimidating. Most people don’t trust their achievements enough and sometimes don’t even consider them as wins. But you have to focus and be specific.

2 — Celebrate Your Wins (1)

Don’t write generic sentences like I got healthier . Note the actions behind it: I started walking 20 minutes every morning and felt more energized.As you write, take time to savor each memory. These wins are proof that you’re capable of growth. It doesn’t matter how small they seem. They are a reminder that progress isn’t always loud or flashy. On the contrary, it can happen quietly, one small step at a time.

2 — Celebrate Your Wins (2)

Once you finish celebrating your wins, it’s time to think about learning. This is where you turn to the areas where you struggled — not to criticize yourself, but to uncover what they can teach you.This part of the process is always humbling for me. Two years ago, I set a goal to launch a side project by summer but never got past the brainstorming phase. At first, I blamed a lack of time. But when I dug deeper, I realized the problem — I’d been afraid to put my ideas into the world.Last year, this project became The Challenge.

3 — Acknowledge the Challenges (1)

Ask Yourself: <ul><li class="ql-align-justify">Which goals did I struggle to achieve, and why?</li><li class="ql-align-justify">What habits or patterns held me back?</li><li class="ql-align-justify">Were there external factors that impacted my plans?</li></ul>Be honest but gentle with yourself as you reflect. The goal isn’t to dwell on failure but to identify patterns and roadblocks so you can address them moving forward.

3 — Acknowledge the Challenges (2)

Now, let’s make some magic happen.You have listed your wins and challenges. But you haven’t understood the reason behind your failures yet. So, step back and look for patterns.For example, did you notice that you tend to procrastinate on a specific task? Or did you notice that your best achievements came when you worked with a partner or mentor?

4 — Identify Lessons and Patterns (1)

Ask Yourself: <ul><li class="ql-align-justify">What worked well, and why?</li><li class="ql-align-justify">What didn’t work, and what can I do differently?</li><li class="ql-align-justify">What habits, routines, or mindsets help or hinder me?</li></ul>Last year, I realized that my most productive months were when I stuck to a morning routine.It wasn’t anything elaborate — 30 minutes of writing followed by a quick run — but it set the tone for my day. And that insight became the foundation for a habit I still rely on today.

4 — Identify Lessons and Patterns (2)

The final step of your review is the most liberating: deciding what to let go. Think of it like cleaning out your closet. You are not only making space for the new. You are freeing yourself from the weight of things that no longer serve you.

5 — Decide What to Leave Behind (1)

Ask Yourself: <ul><li class="ql-align-justify">Which habits, beliefs, or commitments am I ready to release?</li><li class="ql-align-justify">What doesn’t align with my values or goals anymore?</li></ul>Last year, I had to let go of my perfectionism. I used to believe I had to achieve every goal flawlessly, but that mindset paralyzed me. So, letting go of it didn’t only feel freeing — it made me more effective.

5 — Decide What to Leave Behind (2)

An End-Of-Year Review helps you prepare for the future. The clarity you gain through this process will serve as the foundation for everything you do in 2025.So, as you wrap your review, take a moment to appreciate how far you’ve come. Every win, challenge, and lesson has shaped you into who you are today. So, acknowledge every step. And use them to prepare for the next year.Next week, we’ll take the insights from this review to craft a bold and inspiring vision for the year ahead. Until then, give yourself the gift of reflection.[<a href="https://cosmopolitanmindset.substack.com/p/the-year-that-was-a-reflective-guide">DOWNLOAD</a> THE FREE INFOGRAPHIC]

<ul><li class="ql-align-justify">Spread the word! Share <a href="https://cosmopolitanmindset.substack.com/">The Challenge</a> with friends and family.</li><li class="ql-align-justify"><a href="https://cosmopolitanmindset.substack.com/subscribe">Subscribe</a> today to support the ongoing creation of this content.</li><li class="ql-align-justify">Want more? Explore my other work at <a href="https://www.cosmopolitanmindset.com/">Cosmopolitan Mindset</a>.</li></ul>

Learn how to turn wins and losses into a blueprint for an extraordinary new year.

moneyandinvestments

Money & Investments

The Year That Was: A Reflective Guide to Unlock Your Potential for 2025

I’ve made my fair share of money mistakes.I spent half my paycheck on shiny, trendy, and unnecessary things. The first time I had some money, I boasted with my friends and spent everything on fancy dinners and alcohol. I even bought stuff I couldn’t afford and had to ask my parents for money.But I learned from my mistakes. And I knew that building wealth isn’t about luck or stumbling upon a jackpot. It’s about discipline, strategy, and following a few timeless money rules.f

Making Money Mistakes

These rules are the guardrails on the winding road to financial independence.<ul><li class="ql-align-justify">Break them, and you might find yourself careening off a climb into debt.</li><li class="ql-align-justify">Follow them, and you’ll be cruising into a life of comfort and security.</li></ul>Let’s explore these seven unbreakable rules, each inspired by the wisdom of financial icons, literary treasures, and hard-earned lessons.

7 Money Rules You Should Never Break

You're reading an excerpt from<a href="https://cosmopolitanmindset.substack.com/"> The Challenge</a> — a weekly newsletter dedicated to self-improvement, goal-setting, habits, time management, and health tips.Every week, you'll receive:<ul><li class="ql-align-justify">A life-enhancing challenge</li><li class="ql-align-justify">A custom infographic to track your progress</li></ul><a href="https://cosmopolitanmindset.substack.com/subscribe">Subscribe now </a>and start your first challenge.

Imagine you’re at a dinner party, and someone hands you their credit card to pay the bill.“Buy whatever you think is best,” they tell you. Sounds crazy, right? Yet, many people treat their money this way, trusting financial advisors, brokers, or even well-meaning friends.

1. Take Care About Your Money (1)

Warren Buffett famously said:Never depend on a single income. Make investments to create a second source.But nobody wants you to follow his advice without understanding it.Take care of your money. Educate yourself to manage them at your best. Read books like The Intelligent Investor by Benjamin Graham or Rich Dad Poor Dad by Robert Kiyosaki . These classics will give you the foundation to make smart, informed choices with your hard-earned cash.

1. Take Care About Your Money (2)

What’s the first thing you pay when you get your paycheck?Your landlord? The credit card company? Or maybe you reward yourself for the job you have done in your favorite coffee shop?The answer is you.

2. Always Pay Yourself First (1)

George S. Clason popularizes paying yourself first in The Richest Man in Babylon . But what does this mean?It’s simple. Save a portion of your income before paying any bills. Treat it like a non-negotiable expense.Why? Because if you don’t, you’ll always find other expenses to eat up your money. And, by the end of the month, you will have saved nothing.Your future self — living in a paid-off home with a cushy retirement fund — will thank you for this simple habit.

2. Always Pay Yourself First (2)

Day-trading stocks and cryptocurrency are hot topics. The idea of investing in those things makes hearts race. But exciting investments often lead to exciting losses, too. John C. Bogle, the founder of Vanguard, advocated for boring but effective index funds. His mantra?“Don’t look for the needle in the haystack. Just buy the haystack!”

3. Use Boring Investment Strategies (1)

Books like The Little Book of Common Sense Investing emphasize the importance of slow and steady growth. Successful investing isn’t about being flashy. It is about being consistent and patient. I invested my first $5k before the pandemic. It was a long-term project. So, I kept investing even after the market crash due to the pandemic. And today, four years later, my wallet is above 17%.

3. Use Boring Investment Strategies (2)

Some people spend years building a solid portfolio. And then, at the first setback, they’re tempted to dip into those funds and sell everything.Don’t do it. When you borrow from your investment accounts, you steal from your future self.

4. Never Borrow From Your Saving Funds (1)

Suze Orman, the author of The 9 Steps to Financial Freedom , warns against this practice. She explains how tapping into your investments can disrupt the compound effect. And it will rob you of your potential growth.Build a financial cushion instead (more on that next). Keep your investments untouchable. And only use them when you think you grew them enough.

4. Never Borrow From Your Saving Funds (2)

Life has a funny way of throwing curveballs — a sudden medical bill, a leaky roof, or an unexpected job loss. Without an emergency fund, you’re just one crisis away from financial disaster.In The Total Money Makeover, Dave Ramsey stresses the importance of saving three to six months of living expenses in an emergency fund. He likens it to an insurance policy against Murphy’s Law: If something can go wrong, it will.

5. Always Have an Emergency Fund (1)

So, make sure to be prepared. Don’t let life’s surprises derail your financial plans. Start small if you must, but start today.The emergency fund was the first thing I removed from my to-do list once I got a job. It’s only three months long, for now. I’ve been using my money to create an investment portfolio. But I would like to push it up to six months of income, which is always safer.

5. Always Have an Emergency Fund (2)

Overspending is the main enemy of a healthy financial plan. Credit cards, after all, make it deceptively easy to live beyond your means. They are comfortable. But they make you forget about the money you can spend.So, how do you spend less (or not too much, at least)?

6. Never Spend More Than You Make (1)

In All Your Worth: The Ultimate Lifetime Money Plan , Elizabeth Warren introduces <a href="https://cosmopolitanmindset.substack.com/p/stop-wasting-money">the 50/30/20 budgeting rule </a>. This approach ensures you spend only 50% of your income on needs, 30% on wants, and save 20%. And it can save you from paying too much for things you can’t afford.It’s a simple rule. But it works even for people who don’t have much time to budget and track their expenses daily.

6. Never Spend More Than You Make (2)

Personal finance is a growing process. And the strategies that worked 50 years ago might not work today. So keep learning.Besides the books I already mentioned, there’s one last book I would like to suggest — Money: Master the Game by Tony Robbins. It helped me set up my plan for financial freedom. And I’m sure it will help you manage your finances better.Whether attending webinars, listening to podcasts, or reading articles like this one (good start!), commit to lifelong learning. The more you know, the better equipped you’ll be to make wise financial choices.

7. Always Keep Learning About Money

Building wealth isn’t about quick wins or cutting corners. It’s about patience, discipline, and following the rules. These seven principles are your toolkit, but it’s up to you to use them.This week, take 15 minutes each day to evaluate your financial habits. Use the infographic to rate your commitment to each rule and identify possible improvements.By the end of the week, you’ll have a clearer picture of your financial strengths and areas for growth. Small, consistent changes now can lead to massive results later. Are you ready to take charge?[DOWNLOAD THE FREE INFOGRAPHIC <a href="https://cosmopolitanmindset.substack.com/p/7-money-rules-you-should-never-break">HERE</a>]

7 Money Rules You Should Never Break to Build Wealth: Proven Tips from Warren Buffett, Dave Ramsey, and Other Financial Legends

Discover the world of business and economics.

economics

Economics

7 Money Rules You Should Never Break to Build Wealth

Digital distractions aren't just a minor inconvenience anymore. They shape our lives so much that we often don't even notice.The average attention span dropped from 12 seconds in 2000 to 8 seconds today. And it seems like we are not improving.

The Attention Span Dropped

It's a new day.You wake up. You take your phone. And you spend the next 20 minutes scrolling through endless notifications, emails, and news feeds. Your mind is already buzzing with distractions when you sit down to work. And it has been only one hour since you woke up.But you are not alone. 84% of people check their phones within 15 minutes of waking up. It has become a habit. And it profoundly impacts our ability to focus throughout the day.

Waking Up On Your Phone

But what if I told you focus is a skill you can rebuild? What if you could minimize the distractions you face every day with a few intentional practices?This week, I want to share four transformative methods that helped me regain focus, reduce distractions, and take control of my days. These techniques come from research. But they work in real life, too.

You Can Rebuild Focus

You're reading an excerpt from <a href="https://cosmopolitanmindset.substack.com/">The Challenge</a> — a weekly newsletter dedicated to self-improvement, goal-setting, habits, time management, and health tips.Every week, you'll receive:<ul><li class="ql-align-justify">A life-enhancing challenge</li><li class="ql-align-justify">A custom infographic to track your progress</li></ul><a href="https://cosmopolitanmindset.substack.com/subscribe">Subscribe now</a> and start your first challenge.

Mornings are the most critical times for setting the tone of your days. But they are also the moment digital distractions tempt you the most.Starting the day without screens is like giving your mind a fresh canvas, unpolluted by the noise of the digital world. However, research shows that checking your phone first thing in the morning triggers the release of dopamine, a neurotransmitter responsible for seeking new information. The dopamine loop hooks you on constant checking, derailing the focus needed for real productivity.

1 — Limit Digital Consumption in The Morning (1)

I used to wake up, turn on my phone, check emails, glance at social media, and scroll through the news. Before I knew it, I’d lost 30 minutes, and my head was spinning. However, studies reveal that 77% of people feel more productive and less anxious when they avoid digital devices first thing in the morning. I decided to experiment with analogical mornings.I leave my phone off. I pick up my to-do list and dive into my tasks. No screen, no notifications — just me, my thoughts, and my first daily goal.It is challenging. At first, I couldn't think about anything but my phone, but it paid off.

1 — Limit Digital Consumption in The Morning (2)

The average person receives between 60 and 80 daily notifications. You live most of your day in a constant stream of interruptions. And every time you check one, your attention span shrinks even more.Psychologists designed push notifications to pull us in, creating a sense of urgency when there is none. This constant barrage shortens your attention span, with researchers finding that your productivity can drop by up to 40% even if you don't open the notification.

2 — Limit Push Notifications (1)

For me, notifications became an excuse to procrastinate.I'd tell myself that I would only check one message. But then, I'd scroll for ten more minutes. And then, ten more, until I lost all the afternoon.I took drastic measures once I realized notifications were manipulating my attention. And now, I turn off all non-essential notifications during my work hours, which allows me to stay focused and accomplish tasks in half the time.

2 — Limit Push Notifications (2)

We live in a world of 15-second reels and quick headlines. Reading a book feels like an act of rebellion. But it's one of the most powerful ways to train your mind to stay focused.Unlike smartphones, books don't light up with new information every five minutes. They require sustained concentration. And they don't reward you with instant gratification.Studies show that reading a book can increase attention span by 30% and decrease stress levels by up to 68%.

3 — Read Books (1)

When you read a book, you commit time and attention to understanding a single storyline or concept. For me, reading has become a refuge from the digital noise. It’s an exercise in patience, a way to retrain my brain to enjoy longer, slower forms of concentration.Podcasts can also be helpful if you actively listen, but the multitasking temptation often makes them less effective. Reading, however, forces you to focus on one thing at a time, creating a habit of single-tasking that can carry over into other areas of your life.

3 — Read Books (2)

Boredom has a bad reputation. We try to avoid it at all costs—filling every spare moment with phone scrolling, messages, or mindless TV. However, <a href="https://open.substack.com/pub/cosmopolitanmindset/p/do-you-lack-creativity-try-these?r=50vfw&utm_campaign=post&utm_medium=web">boredom is essential for creativity </a>and focus.When we don't constantly stimulate our brains, they wander, make connections, and recharge. Neuroscientists have found that boredom activates the default mode network in the brain, which is responsible for creativity and problem-solving.

4 — Get Bored (1)

I started making time for boredom in my day a few years ago. Sometimes, I’d go for a short walk without my phone or sit quietly for 10 minutes. And this brief pause helped me recharge mentally and sparked creative ideas and fresh perspectives on my work.If you’re skeptical, try setting a timer for 5-10 minutes and sit with your thoughts. No distractions, no devices — just you. You might find it uncomfortable at first, but stick with it. Over time, you’ll notice that these moments of stillness bring a sense of calm, clarity, and new ideas that could transform your day.

4 — Get Bored (2)

Rebuilding focus isn’t about willpower. It’s about redesigning our routines and environment to support attention.By limiting digital consumption, turning off notifications, reading, and letting ourselves be bored, we can rewire our minds for greater focus. These small shifts create ripple effects, transforming productivity and a sense of peace and fulfillment.I’ve created a Focus Tracker printable to help you take action. Use it to set daily goals, track your focus habits, and celebrate each day you successfully reclaim control over your attention. [DOWNLOAD IT <a href="https://cosmopolitanmindset.substack.com/p/never-lose-focus-again">HERE</a>]

Boost your focus and beat distractions with 4 powerful techniques: limit digital intake, control notifications, embrace reading, and harness boredom for creativity!

mindfulness

Mindfulness

meditation

Meditation

Never Lose Focus Again: 4 Extraordinary Methods You Need to Know

Are the hobbies you’re spending time on helping you live a better life? Because if not, maybe it’s time for a change.I know, I know — it sounds harsh. But too often, we build hobbies that pass the time without adding value to our lives. We invest hours on things that may be fun but don’t give us much back. Time we could invest in something else. Something that can transform your life.

Are Your Hobbies Helping You?

I know you might be skeptical. But trust me — you can change your life with five carefully chosen hobbies. I call them The Five Essential Hobbies. And they will give you more than a little bit of leisure time. They will make you grow and empower you. And they will also elevate the people around you.It wasn’t until I focused on these five hobbies that I saw a lasting change. And I hope you decide to focus on them too.In this article, I will share these five life-changing hobbies. But don’t worry! They are simple, powerful, and adaptable to any lifestyle.

The Five Essential Hobbies

We spend most of our lives thinking about money. As soon as we put our hands on the first bucks, it becomes an addiction. And very few people can have a healthy relationship with them.Money stress is a big deal. So, having a hobby that generates income can give you a sense of financial security. It doesn’t matter if it’s small at first. With time, it can open new opportunities. Plus, it’s a fantastic way to sharpen your skills and build confidence.

1 — A Hobby That Makes You Money (1)

I’ve been on this path for a few years. I started a few side hustles that were a loss of time. A few of them made me a few bucks. And some gave me the freedom to explore my passions without the constant worry of finances.It also taught me to think creatively about value — how to take something I’m good at and turn it into something others need.

1 — A Hobby That Makes You Money (2)

<ul><li class="ql-align-justify">Freelancing in skills like writing, graphic design, or consulting</li><li class="ql-align-justify">Investing in stocks</li><li class="ql-align-justify">Selling handmade crafts, vintage items, or collectibles online</li><li class="ql-align-justify">Creating digital products like courses, templates, or e-books</li><li class="ql-align-justify">Blogging or vlogging with the potential to monetize later</li></ul>

Related Hobbies

Transform your life with just 5 essential hobbies! Discover hobbies that boost your wealth, health, creativity, knowledge, and mindset—all in one guide.

The Bold Vision: How to Set a Powerful Goals for the New Year

Closing Loose Ends: How to Start the New Year With a Clean Slate

The Year That Was: A Reflective Guide to Unlock Your Potential for 2025

7 Money Rules You Should Never Break to Build Wealth

Never Lose Focus Again: 4 Extraordinary Methods You Need to Know

Cosmin Angheluta