<ul><li>The 50-20-30 (or 50-30-20) budget rule is an intuitive and simple plan to help people reach their financial goals.</li><li>The rule is a template that is intended to help individuals manage their money and save for emergencies and retirement.</li></ul>

What is 50/20/30?

Needs are those bills that you absolutely must pay and are the things necessary for survival. These include rent or <a href="https://www.investopedia.com/terms/m/mortgage.asp">mortgage </a>payments, car payments, groceries, insurance, health care, <a href="https://www.investopedia.com/terms/m/minimum-monthly-payment.asp">minimum debt payment </a>, and utilities. These are your "must-haves." The "needs" category does not include items that are extras, such as HBO, Netflix, Starbucks, and dining out.

50%: Needs

Wants are all the things you spend money on that are not absolutely essential. This includes dinner and movies out, that new handbag, tickets to sporting events, vacations, the latest electronic gadget, and ultra-high-speed Internet. Anything in the "wants" bucket is optional if you boil it down. You can work out at home instead of going to the gym, cook instead of eating out, or watch sports on TV instead of getting tickets to the game.

30%: Wants

Finally, try to allocate 20% of your net income to savings and investments. This includes adding money to an emergency fund in a bank savings account, making <a href="https://www.investopedia.com/retirement/ira-contribution-limits/">IRA contributions </a>to a <a href="https://www.investopedia.com/terms/m/mutualfund.asp">mutual fund </a>account, and investing in the stock market. You should have at least three months of emergency savings on hand in case you lose your job or an unforeseen event occurs. After that, focus on retirement and meeting other financial goals down the road. Savings can also include debt <a href="https://www.investopedia.com/terms/r/repayment.asp">repayment </a>.

20%: Savings

Learn about Elizabeth Warren's 50/20/30 budget rule; a simple and effective plan for personal money management and wealth creation.

Money

What Is the 50/20/30 Budget Rule?

Research suggests that students who hand write their notes seem to <a href="https://course.ccs.neu.edu/cs2500f16/taking-notes.pdf">think more intensely </a>about the material as they write it due to <a href="https://comum.rcaap.pt/handle/10400.26/20098">increased focus </a>.So, not only are we able to diminish pesky distractions by switching to hand written notes but also increase our focus on the information we’re supposed to be taking in.

1. Increase your focus

One thing is being able to concentrate more but research also suggests that we can take this one step further and actually increase our capacity to understand and process information on a deeper level. One study looking at students learning Algebra found that those taking handwritten notes <a href="http://scholar.googleusercontent.com/scholar?q=cache:gIyxOyo5Kh4J:scholar.google.com/+handwriting+vs+typing+and+learning&hl=en&as_sdt=0,5">experienced a higher degree of transfer of information </a>than those typing. Supporting research suggests that <a href="http://www.npr.org/2016/04/17/474525392/attention-students-put-your-laptops-away">typing notes leads to a more shallow processing of information, </a>almost like your brain is in sleep mode! Whereas handwriting is more efficient at processing information overall.

2. Understand and process more information

If we don’t remember the insight, did we even learn anything at all?Sometimes studying can feel like a memory game more than anything else. So why not give ourselves the best chance at remembering what we need to for that final paper or exam? We found tons of research pointing to an <a href="https://comum.rcaap.pt/handle/10400.26/20098">increase in information retention when hand writing notes </a>instead of typing them.Students are able to <a href="http://www.npr.org/2016/04/17/474525392/attention-students-put-your-laptops-away">perform better </a>through recalling information when needed. There should be <a href="http://journals.sagepub.com/doi/abs/10.1177/154193120905302218">more pen-to-paper studying to help increase memory </a>and learning.

3. Improve your memory

Alongside the above research, there’s also a lot to be said for being able to doodle when note taking and in periods of studying. One study found that those who doodle r<a href="https://www.edweek.org/tm/articles/2016/01/04/the-benefits-of-using-doodling-and-sketchnotes.html">emember 29% more of the information presented to them </a>than those who don’t. The best part? You don’t have to be an artist to doodle your way through that lecture, just get scribbling!

4. …and Embrace the doodle!

“Creativity allows people to be affective” — Bill Gates No matter what subject, creativity and inspiration will certainly fuel your learning (and even enjoyment!) while studying. Writing by hand actually influences your cognitive processes in a way that slows you down — in a good way — <a href="http://www.huffingtonpost.com/2014/09/12/writing-on-paper_n_5797506.html">and helps forge creativity and new ideas </a>. One study we found even suggests that writing by hand is more <a href="http://eprints.lse.ac.uk/69182/">strongly linked to emotion processing </a>compared to typing. This could lead to a more mindful and creative mindframe while studying too!

5. Boost your creativity and inspiration

We all know that distractions are the enemy of productivity, especially when trying to keep our heads down and study. But apart from reducing the amount of interruptions are there any other…

Writing 

5 reasons why hand writing notes while studying improves your learning

The Cornell note taking method helps organize class notes into easily digestible summaries. How?<ul><li>The paper is divided into 3 sections: a 2.5” margin to the left, a 2” summary section on the bottom, and a main 6” in-class note section.</li><li>Use the main notes section to take notes during class.</li><li>Use the cues section to review your notes. After class, write down things you’ll need to remember and a prompt for each. You can also use this section for vocabulary words and study questions.</li><li>In the summary segment at the bottom, write a summary of your notes. This is where you will highlight the main points.</li></ul>

The Cornell Method

The Mapping note taking method is a more visual way to organize your class notes. This technique is useful when learning about relationships between topics.How?<ul><li>The page is organized by topic. The main topics branch out into subtopics with detailed information about each.</li><li>While in class, begin the map with the main topic.</li><li>Branching off the main topic, write a heading for each of the subtopics.</li><li>Write any important notes underneath each subtopic.</li><li>Continue the pattern.</li></ul>

The Mapping Method

The Outlining note taking method uses headings and bullet points to organize topics. This method is most useful when learning about topics that include a lot of detail.How?<ul><li>Each section starts with a heading of the main topic. Each subtopic and supporting fact is written underneath the proper heading.</li><li>During a lesson, begin your notes with a single bullet point and write the main topic.</li><li>Place the first subtopic below and indented slightly to the right.</li><li>List any details below your heading and slightly to the right.</li></ul>

The Outlining Method

Charting note taking method uses columns to organize information. This method is useful for lessons that cover a lot of facts or relationships between topics.How?<ul><li>The page is divided into columns labeled by category. The details of each category are filled out in the rows below.</li><li>When information about a category is mentioned, jot it down underneath the proper column.</li><li>When the next topic begins move down one row and begin again.</li></ul>

The Charting Method

The Sentence note taking method is simply writing down each topic as a jot note sentence. This method works well for fast paced lessons where a lot of information is being covered.How?<ul><li>Each line on the page is a new and separate topic. To organize your notes even more, you can use headings for each main topic.</li><li>Write down important information the teacher has emphasized. This can be in sentence form or point form.</li><li>Start a new sentence or point for each new detail.</li><li>Use headings to organize points by main topics.</li></ul>

The Sentence Method

Discover 5 methods of note taking to improve memory and make studying a breeze. Learn how to start taking better, more effective notes with these tips!

How To Take Study Notes: 5 Effective Note Taking Methods

There are several different to-do lists (and a few sub-lists) you should keep in order to stay completely organized on a daily basis, while also keeping a macro perspective on what you want to achieve in your business or personal life, and where you want to go.

to-do List

<ul><li>Vision list – a list of all the things you want to experience in life, basically a kind of a bucket list</li><li>Maybe someday list – Things that are not particularly important, that you may do one day</li><li>The 100 day to-do list – your quarterly plan, with priorities selected for the coming three months</li><li>Weekly list – a list of tasks you will complete in one week</li><li>”Done” List – A list of all the tasks that you have already completed</li><li>Daily 3T List – The three most important tasks for a specific day</li><li>Not-to-do list – A list that helps you stay focused and do tasks with the most impact.</li></ul>

Here are some potential to-do lists you can use to organize your

Other lists – All other lists that help you organize yourself and keep as many things as possible on paper , in order to free up your brain power for more important things.

Write

<ul><li>It’s the best way to manage and organize your life (if you do it the right way)</li><li>You’ll easily break down your big goals into items, and items into tasks</li><li>You’ll set your priorities more easily</li><li>You can measure progress more easily (what gets done)</li><li>You’ll free your brain and get more mental bandwidth (memory improvement)</li><li>You won’t forget things</li><li>You’ll definitely manage your time better</li><li>To-do lists will boost your motivation, especially when crossing out each completed task</li></ul>

Benefits 

to-do list help you to organize your work in time, complete task. If you need to complete the task in a given time then set timer for better results. to-do list helped me a lot to complete my projects before the due date. Do read more.

More...

In this article you'll learn which types of to-do lists to use, how to organize them, and how to make sure the to-do list really works in your favor.

Time management 

The To-Do list: How to use to-do lists in the most productive way | And different types of list 

“Be Proactive” is about taking responsibility for your reaction to your experiences, and to taking the initiative to respond positively to improve the situation.

Habit 1: Be Proactive

“Begin with the End in Mind” is about envisioning what you want in the future so you can work and plan towards it.

Habit 2: Begin with the End in Mind

“Put First Things First”, talks about the difference between leadership and management. Ths habit distinguishes between what is important and what is urgent. Priority should be given in the following order:

Habit 3: Put First Things First 

"Think Win/Win” is about a “win” for all is ultimately a better long-term resolution than if only one person in the situation had gotten their way.

Habit 4: Think Win/Win

“Seek First to Understand, Then to Be Understood” is about using empathetic listening to genuinely understand a person. This, in turn, compels them to reciprocate and take an open mind to be influenced by you.

Habit 5: Seek First to Understand, Then to Be Understood 

“Synergize!” is about combining the strengths of people through positive teamwork, to achieve goals that no one could have done alone.

Habit 6: Synergize 

“Sharpen the Saw” is about continuous improvement in the personal and interpersonal spheres of influence.

Habit 7: Sharpen the Saw

Self Improvement

Stephen Covey - Habits of Highly Effective People - Strategies for Influence

The 369 method involves writing down what you'd like to manifest three times in the morning, six times during the day, and nine times in the evening.

What is 369 Manifestation Method?

Numbers aside, the 369 practice tracks with the law of attraction, which states that we tend to attract what we give our attention to.

Goal

Zalucky explains that the 369 method couples numerology<a href="https://www.mindbodygreen.com/0-24955/a-60second-numerology-quiz-to-find-your-life-path.html"> </a>and the law of attraction. Here's the significance of every number in the sequence:<ul><li>3 represents our connection to source or the universe, and our creative self-expression</li><li>6 represents our inner strength and harmony</li><li>9 represents our inner rebirth (as in letting go of what no longer serves us and changing into who we are becoming)</li></ul>

Representation 

Here's what you'll do from there:<ol><li>Write down your affirmation three times as soon as you wake up in the morning.</li><li>Write down your affirmation six times during the afternoon.</li><li>Write your affirmation nine times before you go to bed.</li></ol>Keep in mind, this method (and any method of manifesting , for that matter) is much more likely to work if you take action, too.Follow this process for 33 to 45 days in a row

How to use it?

If you're looking to manifest something in your life<a href="https://www.mindbodygreen.com/0-16150/9-habits-to-manifest-your-dreams-using-the-law-of-attraction.html"> </a>, the simple 369 method may be worth a shot. When we narrow our focus on the things we want to attract and take aligned action to get there, we absolutely can manifest great things—and the right numbers can only help.Do search more.

The Bottom Line

The 369 method has been getting its fair share of attention lately—and it couldn't be easier to try yourself. Here's how it works and why, from experts.

Have You Heard Of The 369 Method? How To Use It To Manifest Anything

Everything that's coming into your life you are attracting into your life. And it's attracted to you by virtue of the images you're holding in your mind. It's what you're thinking. Whatever is going on in your mind you are attracting to you.

Every thought of yours is A Real Thing 

You are the one who calls the law of attraction into action, and you do it through your thoughts.

You become what you think about most, but you also attract what you think about most.

If you can think about what you want in your mind, and make that your dominant thought, you will bring it into your life.

If you see it in your mind, you're going to hold it in your hand

When you think of the things that you want, and you focus on them with all of your intention, then the law of attraction will give you exactly what you want, every time.

There is no such thing as a hopeless situation . Every single circumstance of your life can change.

The law of attraction doesn't compute "don't " or "not" or "no", or any other words of negation. If you do, this is what law of attraction is receiving:"I don't want to be delayed.""I want delays." The law of attraction is giving you what you are thinking about.

Words of Negation 

Your whole life is a manifestation of the thoughts that go on in your head.Your life is a mirror of dominant thoughts you think.

The tenth-anniversary edition of the book that changed lives in profound ways, now with a new foreword and afterword. In 2006, a groundbreaking feature-length film revealed the great mystery of the universe—The Secret—and, later that year, Rhonda Byrne followed with a book that became a worldwide bestseller. Fragments of a Great Secret have been found in the oral traditions, in literature, in religions and philosophies throughout the centuries. For the first time, all the pieces of The Secret come together in an incredible revelation that will be life-transforming for all who experience it. In this book, you’ll learn how to use The Secret in every aspect of your life—money, health, relationships, happiness, and in every interaction you have in the world. You’ll begin to understand the hidden, untapped power that’s within you, and this revelation can bring joy to every aspect of your life. The Secret contains wisdom from modern-day teachers—men and women who have used it to achieve health, wealth, and happiness. By applying the knowledge of The Secret, they bring to light compelling stories of eradicating disease, acquiring massive wealth, overcoming obstacles, and achieving what many would regard as impossible.

The Secret

The Pomodoro Technique is a time management system that encourages people to work with the time they have—rather than against it. Using this method, you break your workday into 25-minute chunks separated by five-minute breaks. These intervals are referred to as pomodoros. After about four pomodoros, you take a longer break of about 15 to 20 minutes.

What is Pomodoro Technique?

The idea behind the technique is that the timer instills a sense of urgency. Rather than feeling like you have endless time in the workday to get things done and then ultimately squandering those precious work hours on distractions, you know you only have 25 minutes to make as much progress on a task as possible. And after 25 minutes you get 5 min short break.

Why Effective?

Each pomodoro is dedicated to one task and each break is a chance to reset and bring your attention back to what you should be working on. This technique helps in productivity. It gets much easier to complete the task. You can increase the minutes as per your need.

Why Pomodoro?

The Pomodoro Technique is a famous time management method that promises to make you more productive. But does it work? Here's a real person's experience and learnings after she tested it out for a week.

Easy Tasking 

Pomodoro technique is effective 

<ul><li>Blockchain is a specific type of database.</li><li>Blockchains store data in blocks that are then chained together. </li><li>Individual records called blocks linked together in single list called chain.</li><li>As new data comes in it is entered into a fresh block. Once the block is filled with data it is chained onto the previous block, which makes the data chained together in chronological order.</li><li>Digital record of transactions.</li><li>Used for record transaction with cryptocurrencies such as bitcoin. </li></ul>

What is blockchain?

Google Image Result

Making tiny improvements by 1% each day isn't noticeable. But 1% improvement each day or a tiny improvement over time is astounding and can be far more meaningful, especially in long run.The 1% errors are when you replicate poor decisions, duplicate tiny mistakes, rationalize little excuses- many missteps decline 1%.You get what you repeat. Focusing on improving 1% each day will give you a better outcome.

Do not repeat 1% errors 

Goals are results you want to achieve. The system is a process that leads to those results. Goals are good for setting direction, but systems are best for making progress.To see the progress of an outcome you are left chasing, you need to change the system behind it. You fix inputs and the outputs will fix themselves.

Focus on system

If you are having trouble changing your habits then the problem is your system, not you. Bad habits repeat themselves again and again because you have the wrong system for change.Take an example: You have a messy room and you set a goal to clean it, you did it and now you have a clean room for now. But what if you maintain your room do not repeat habits that led to a messy room? You won't be hoping for another burst of motivation to clean.

System and Habits 

Four laws of building better habits<ol><li>Cue:- Initiate behaviour </li><li>Craving:- Motivation or desire behind every habit</li><li>Response:- Habit you perform</li><li>Reward:- End goal of habit </li></ol>

Build better habits in 4 simple steps

THE PHENOMENAL INTERNATIONAL BESTSELLER - 1 MILLION COPIES SOLD Transform your life with tiny changes in behaviour, starting now. People think that when you want to change your life, you need to think big. But world-renowned habits expert James Clear has discovered another way. He knows that real change comes from the compound effect of hundreds of small decisions: doing two push-ups a day, waking up five minutes early, or holding a single short phone call. He calls them atomic habits. In this ground-breaking book, Clears reveals exactly how these minuscule changes can grow into such life-altering outcomes. He uncovers a handful of simple life hacks (the forgotten art of Habit Stacking, the unexpected power of the Two Minute Rule, or the trick to entering the Goldilocks Zone), and delves into cutting-edge psychology and neuroscience to explain why they matter. Along the way, he tells inspiring stories of Olympic gold medalists, leading CEOs, and distinguished scientists who have used the science of tiny habits to stay productive, motivated, and happy. These small changes will have a revolutionary effect on your career, your relationships, and your life. ________________________________ A NEW YORK TIMES AND SUNDAY TIMES BESTSELLER 'A supremely practical and useful book.' Mark Manson, author of The Subtle Art of Not Giving A F*ck 'James Clear has spent years honing the art and studying the science of habits. This engaging, hands-on book is the guide you need to break bad routines and make good ones.' Adam Grant, author of Originals 'Atomic Habits is a step-by-step manual for changing routines.' Books of the Month, Financial Times 'A special book that will change how you approach your day and live your life.' Ryan Holiday, author of The Obstacle is the Way

Bite-sized knowledge
to upgrade
your career

Nidhi Bhagwat
@nidhibhagwat99

What Is the 50/20/30 Budget Rule?

5 reasons why hand writing notes while studying improves your learning

How To Take Study Notes: 5 Effective Note Taking Methods

The To-Do list: How to use to-do lists in the most productive way | And different types of list

Stephen Covey - Habits of Highly Effective People - Strategies for Influence

Bite-sized knowledgeto upgradeyour career

Nidhi Bhagwat@nidhibhagwat99

What Is the 50/20/30 Budget Rule?

5 reasons why hand writing notes while studying improves your learning

How To Take Study Notes: 5 Effective Note Taking Methods

The To-Do list: How to use to-do lists in the most productive way | And different types of list

Stephen Covey - Habits of Highly Effective People - Strategies for Influence

Bite-sized knowledge
to upgrade
your career

Nidhi Bhagwat
@nidhibhagwat99