Are you one of those people like me, when you were in school or in a learning space. Where you obtain valuable information, but you try to solely rely on your memory to help you retain them. “I don’t need to write this down; I will remember it later” kind of people? The amount of information that I have forgotten thanks to that remark is extremely high. You may have fantastic recalling ability so maybe cannot relate [ you could skip this chapter] but to those that can relate to a degree. Let me share processes and tools I have included in my resource to mitigate that information outflow.

The first valuable contributor that I feel has changed the trajectory of my thinking is having a daily planner. The daily planner does not have to be something fancy. You can simply have a blank book, which you can use to include the list of tasks that you would like to complete for that day. I find it beneficial when I include about 3 or 4 high priority tasks. Too many tasks become overwhelming and difficult to complete. If I usually can’t complete that certain task, I try to transfer it to the next day or in a day that have fewer items listed and not too complex. Complex meaning something requiring significant time and attention.

Another valuable resource that I use are digital calendars. They are like daily planners but a major different is the ability to set reminder when you have tasks coming up. Sometimes you may have forgotten to include it in your daily planner. Another valuable thing with calendar is the ability to schedule things a time in the future. This helps you make other tasks revolve around your main schedule.

Journaling is another process I have included in my scheduling. I usually use journals (notepads) more so for business and education than for disseminating personal thoughts. That may change in the future, but for now I use other more personal habit trackers for in depth tracking. Which I will include in the next paragraph for personal tracking. I am also getting in the habit of journaling via video on a weekly basis, but I am not sure how long I can maintain it because it does require a bit of planning and setup prior. Which, not everyone could have the time to go through all the time, but it does have value. It’s a great way to have conversation with yourself in different timelines. Meaning you can reflect on your progress through sound and visual with a personalised message from you.

The other tool that I was mentioning that I included was a habit tracker. A habit tracker as the name states tracks your day-to-day habits. You include list of things that you do daily and note them each time you do that habit. I would love to share with you the habit tracker that I use but because software changes so much in our time. I rather share with you only features of what I feel make for a good habit tracker. Yes, these are going to be bias, but a good habit tracker should:

1. Allow for you to include your own habit.
2. Show data in visual graph or stats of your previous progress (I like graphs)
3. Have ability to download and export data.
4. Should not have unnecessary distraction on the platform.
5. Give complete access to your data and does not sell it.
6. Be secure and private.

Now, the last point is more depended on individual circumstances, so I wanted to include it just in case. A resource you should consider including is a budgeting or financial tool. Personally, doing budgeting was not something that I enjoyed much but that may be because of the tool I used. Maybe I simply did not enjoy budgeting, but we can’t be ballin’ all day every day. Either way it is important to have some sort of tools that tells you your spending habits and if possible, the ability to project your financial position in the future deriving from your current spending habit. I have not found something that specifically does that all in one yet. So, you may need to use combinations of various tools to get you the result you desire.

I understand everyone has different thought process and requirements that is why I am not going to dive deep into this, but I wanted to emphasise the need to have something that keeps your finance in check. Find something that is simple to use and engages you to track your financial position. If you do not have finances to manage, then that will raise a question about what your spending habits are at least. Which would help explore the question of what could be possible if one of those expenses is no longer in your portfolio. What would your future return be. That gives a completely different angle to thinking.