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Inbox zero = energy zero

For years there have been copious books, blogs and articles written on healthy time and energy management, and in today’s digital environment, it’s even more essential for success. Experts suggest a shift in how we approach our daily routines, starting with our emails and social media notifications. While our email inbox or WhatsApp notifications may seem like the most urgent priority, it can often lead to “energy zero” if we are not careful.

After running a quick Google search, some of the following stats became clear:

  • On average, 28% of work time is spent on email
  • We check email on average 11 times per hour
  • 84% keep email open in the background while working

Email Apnea, a phrase coined by Linda Stone around 2014, is the temporary cessation of breath when we’re in front of a screen, especially when texting or doing email. This chronic breath-holding puts us in a state of fight or flight, affecting emotions, physiology and attention.

In the book, Manage Your Day-to-Day: Build Your Routine, Find Your Focus & Sharpen Your Creative Mind, the recurring advice across many of the 20 experts who contributed essays to the book was simple: don’t start the day by dealing with your email.

Instead, start the day by tackling the most challenging task first. This may seem impractical for some work environments, but we can apply it to any situation. For some, arriving at work early to carve out creative time could be beneficial. For others, it may require retraining themselves not to assume that the priorities of their inbox match their own goals and responsibilities.

Best-selling author and founder of The Energy Project, Tony Schwartz, suggests building energy renewal into our workday. Scott Belsky, co-founder of Behance, recommends allowing unstructured time between meetings to recharge and absorb what just happened.

By taking responsibility for our own time and energy, we can avoid letting email, social media or other reactive tasks blunt our focus. James Victore (yourworkisagift.com) writes, “We are losing the distinction between urgent and important—now everything gets heaped in the urgent pile.”

Taking charge of our priorities helps us filter distractions and plan focused time to use our energy and creativity wisely, and it can also make it easier for our family and colleagues to do the same. Before you begin your day with a race to reach inbox zero, take a breath and consider what’s most important for your day.

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The three-legged stool

“Financial security and independence are like a three-legged stool resting on savings, insurance and investments.” – Brian Tracy.

When it comes to financial planning, many people focus on investing as the key to financial security and independence. However, as Brian Tracy points out, financial security and freedom require a three-legged stool resting on savings, insurance, and investments.

Savings are a crucial component of financial security and independence. Without savings, unexpected expenses or emergencies can quickly derail your finances. It’s important to have a savings plan in place that includes an emergency fund, a retirement savings plan, and savings for other long-term goals such as buying a house or starting a business.

Insurance is another important component of financial security and independence. Without insurance, you may be left with significant expenses in the event of an accident, illness, or other unexpected event. It’s important to have insurance coverage for your health, home, car, and other assets. You may also want to consider life insurance to protect your loved ones in the event of your death.

Investments are the third leg of the stool, and they can help you build wealth over time. However, it’s important to invest wisely and to choose investments that align with your goals and values. This might involve investing in stocks, bonds, mutual funds, or other types of investments.

To achieve financial security and independence, it’s important to focus on all three components of the three-legged stool. Here are a few tips to help you get started:

Create a savings plan: Determine how much you need to save each month to achieve your long-term goals, and create a budget that allows you to save that amount. Set up automatic transfers to your savings accounts so that you don’t have to remember to do it each month.

Review your insurance coverage: Make sure you have adequate insurance coverage for your health, home, car, and other assets. Consider getting a quote from multiple insurance providers to ensure you’re getting the best coverage for the best price.

Invest wisely: Choose investments that align with your goals and values, and make sure you’re comfortable with the level of risk involved.

Working with a financial adviser can be incredibly beneficial in helping you achieve financial security and independence when working on all of the above. Together, we can create a comprehensive financial plan that considers your goals, values, and risk tolerance whilst guiding insurance and investment strategies, helping you navigate the complex world of insurance and estate planning.

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Stay motivated and committed to change

Staying motivated to change can be a challenge! It’s too easy to fall into old patterns and habits. 

It can be difficult to remain committed to change because change can be a complex process that requires effort, discipline, and perseverance. Sometimes, people need more motivation to change, and with a clear and compelling reason, it can be easier to stay committed. Negative self-talk, such as negative thoughts and self-doubt, can erode commitment and motivation.

Some of us fear failure, whilst others may simply resist change, as it requires breaking old habits and routines, which can be uncomfortable. Sticking to the plan isn’t easy, especially when faced with distractions, temptations, or other life challenges. Without support from friends, family, a coach or a support group, it can be challenging to remain committed to change.

It’s helpful to have a positive attitude if we want to persevere through these challenges. Articulating and tracking our goals is also a practical way to measure our success, continuously improve and stay motivated and committed to change.

By regularly monitoring our progress, we can identify areas where we need to make adjustments and course-correct if necessary. This helps increase the chances of achieving the goals and ensures that our efforts are always directed towards the most important tasks.

Tracking goals also provides a sense of accountability, as we are held responsible for our progress towards our goals. It encourages us to take the necessary steps to move forward and maintain momentum.

Moreover, tracking goals gives us the opportunity to celebrate achievements and recognise the progress we have made. Celebrating small milestones boosts motivation and helps keep us on track towards our larger goals. Many coaches believe tracking our goals is essential to ensure progress and staying motivated to change our lives, and make informed decisions.

When you feel the lethargy kick in, and you’re tempted to revert to unhealthy behaviours just remember that staying motivated to change requires effort and perseverance, but by focusing on progress, setting realistic goals, and creating a supportive environment, you can stay committed to the change you want to see in your life!

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Thinking, feeling and acting

Thinking, feeling, and acting are interrelated processes that shape our behaviour, and they often become so habitual in our busy lives that we are no longer mindful of them. We lose control of being intentional about the direction our lives are taking – and this often shows up in our finances.

Therefore, it is important to be aware of our thoughts and feelings and how they influence our actions, especially concerning financial behaviour.

Essentially, thinking refers to the cognitive process of processing information and making decisions. It involves analysing and evaluating information to reach conclusions and make decisions. Feeling refers to the emotional experiences and reactions triggered by events or thoughts. Our actions are shaped by our beliefs, values, and emotions, as well as our thoughts and decisions.

In many cases, our thoughts and feelings can interact in a cycle. For example, a person may have negative thoughts about their financial situation, which can trigger stress and anxiety. These feelings may lead them to act impulsively and make poor financial decisions. On the other hand, a person with a positive mindset and emotions may be more likely to make sound financial decisions. All three of these are shaped by our various intelligences.

Intelligences are the various capacities or abilities we have to process information, understand and interact with the world around us, and solve problems. There are different theories of intelligence, but one of the most widely recognised is Howard Gardner’s theory of multiple intelligences, which proposes that there are eight distinct types of intelligence.

  1. Linguistic intelligence: ability to use language effectively.
  2. Logical-mathematical intelligence: ability to solve problems and think logically.
  3. Spatial intelligence: ability to perceive and manipulate visual information.
  4. Bodily-kinesthetic intelligence: ability to control one’s body movements and handle objects skillfully.
  5. Interpersonal intelligence: ability to understand and interact effectively with others.
  6. Intrapersonal intelligence: ability to understand one’s own emotions and motivations.
  7. Musical intelligence: ability to perceive and produce musical sounds.
  8. Naturalistic intelligence: ability to understand and appreciate nature.

Each type of intelligence can impact our financial behaviour in different ways. For example, those with strong linguistic and interpersonal intelligence may be more skilled at negotiating salaries and financial deals.

Those with strong logical-mathematical intelligence may be more likely to make sound financial decisions and manage their finances effectively. On the other hand, those with strong musical intelligence may be more prone to impulsive spending on musical instruments or concerts. Understanding one’s bias in terms of intelligence can help inform and improve financial behaviour.

Not only does this help us understand how we might make, spend or save money in different ways to others in our family or business, but it can also help us see how we could arrive at solutions to problems in more creative, analytical or logical ways. This improves communication and forges stronger relationships with those around us and with our money.

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Are you ready to reduce digital distractions?

Do you often reach the end of your day and feel like, regardless of how busy you’ve been, you still don’t feel productive?

It’s all too easy to begin our day in our emails and allow all the interruptions of ‘urgent messages’ to run our entire day. These digital distractions can seriously affect our productivity. The constant notifications and easy access to social media and other websites can lead to procrastination, reduced focus, and decreased efficiency. It’s important to set boundaries and limit distractions in order to be more productive.

Asana, the project management tool, often talks about productivity on their website and in one article they share how digital distractions can be the arch-nemesis of deep work (focussed, uninterrupted work). 

According to them, distraction—especially of the digital variety—is more common than ever in today’s fast-paced work environment. At a time when 80% of knowledge workers report working with their inbox open and nearly three in four employees feel pressure to multitask every day, avoiding digital distractions can seem nearly impossible. 

However, minimising distractions is still doable with a few simple strategies: 

Turn off notifications.

Sounds, banners, and notifications flashing across your screen have a negative impact on focus and can quickly jolt you out of deep work. When you’re trying to focus, use Do Not Disturb mode or snooze notifications for your phone and any communication apps you use. Or to really disconnect, close your email and messaging apps completely. Remember that you can always check notifications during your next focus break.

Make depth your default.

Instead of living in a distracted state and wrangling your brain into focus mode to complete tasks, schedule focus breaks—times when you allow yourself to take a break and give in completely to distractions. You can use this strategy during your workday or in your personal life. For example, you could schedule a focus break after work when you’re allowed to browse the internet and scroll through social media—then turn your undivided attention to cooking dinner, watching a movie, or talking with loved ones.  

Choose your tools wisely.

According to Asana’s research, the average knowledge worker switches between 10 apps 25 times per day to do their work—and employees who switch between apps are also more likely to struggle with effectively prioritising their work. But just because a tool exists doesn’t mean you have to use it.

Lighten your tech stack as much as possible!

And, let’s not forget that one of the reasons all these interruptions exist is because of FOMO. We need to decide if we will let the fear of missing out run our day and leach our productivity, or if we will be ready to reduce digital distractions.

Digital distractions drain our creativity, our energy and our focus and the key to being more productive lies in managing them more wisely.

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Five tips for investing this year

People have a wide range of feelings and perspectives regarding investing. Some view investing as a way to grow wealth and secure a financial future, while others may view it as too risky or complex.

Some of us are confident in our investment knowledge and feel comfortable making decisions independently, while others prefer to seek guidance from financial advisors or investment professionals.

Still, others may feel nervous about the stock market and prefer to put their money in lower-risk investments such as bonds or savings accounts.

Ultimately, our feelings about investing will be influenced by our individual financial goals, risk tolerance, experience, and knowledge. Understanding our attitudes and feelings towards investing is important to make investment decisions that align with our personal financial planning values and goals.

For the next 12 months, here are some great tips to keep you focused and motivated in your investment strategy.

First off – start early! The earlier you start investing, the more time your money has to grow. The “Power of Compounding Interest” drives your investment over time, creating wealth out of your money. It’s why every financial guru recommends starting as soon as you can, even if it’s a small amount. And, apart from the value of compounding over time, it helps us develop healthy saving habits early on.

Second – diversify. Spread your investments across different asset classes and geographies to reduce risk. The proper diversification strategy is a vital step in the investment journey, needed to ensure a balance of growth and stability of the portfolio. In a nutshell, it’s about avoiding putting all our eggs in one basket.

Third – monitor and review: Regularly reviewing investments ensures they are aligned with our goals and enables us to make changes where necessary. It helps us choose and stick with investing approaches that are most suitable for our investment needs.

Fourth – stay disciplined: Stick to your investment strategy and avoid making impulsive decisions based on short-term market fluctuations. This has been one of the most valuable tips in our recent times of market volatility. Fear of missing out or losing everything can cause us to switch too early or too frequently, which erodes our wealth over time.

Fifth – create a budget. Whilst this is normally the first thing anyone does when trying to bring order and structure to their finances, it’s the first thing that we let go of when money gets tight or we start investing on a larger scale. Few people like sticking to budgets, but it remains at the heart of a healthy financial plan. 

Whether you’re starting out on your investment journey, jump starting an investment strategy or simply struggling to stay the course, these tips should hold you in good stead. Otherwise, just reach out and let’s chat!

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Two ways to reduce anxiety

Our minds are extraordinary. The human brain has evolved to solve complex problems and successfully manage unexpected situations, and yet, coping is less about what is happening in the world and more about how our senses decipher the situation.

Perception is everything; this is why coping mechanisms focus on managing, reframing, or avoiding how we perceive triggers and stressors. Suppose our inability to cope is hindering us from enjoying a full life, achieving our goals, or causing hurt to others. In that case, we must adopt and adapt the best tools to overcome and reduce anxiety.

Depression and anxiety often co-occur, and many individuals with depression also experience symptoms of anxiety. In some cases, anxiety can lead to depression, and in others, depression can lead to increased anxiety levels. The exact relationship between depression and anxiety is complex and may be influenced by various factors, including genetics, life experiences, and brain chemistry.

For severe cases, you need to talk to someone and see a professional who can help. If you are feeling helpless, it will seem impossible to regain control of your mental health.

South Africa has one of the lowest mental health scores in the world. A 2022 Wits University study showed that 25.7% of South Africans are probably depressed, with more than a quarter of respondents reporting moderate to severe symptoms of depression.

Approximately 9.5% of American adults, ages 18 and over, will suffer from a depressive illness each year and more than 31% experience an anxiety disorder at some point in their lifetimes. In the UK, the figures are around 8% for depression, and about 1 in 20 suffer from anxiety disorders.

A sudden onset of mild anxiety can be triggered by many things—from a significant event, like a death in the family, to everyday stressors, such as work or budget worries—but sometimes it can be caused by seemingly nothing at all—or even issues we are not consciously aware of.

Psychological research has proven the importance of relaxation as an effective technique for managing anxiety, recognising that we can influence our minds by taking control of our bodies (Strycharczyk & Clough, 2015). Here are two ideas if we are looking for an immediate interruption to a pattern of anxiety or even an unexpected onset.

1. Controlled distraction

Like self-talk, controlled distraction reduces anxiety by redirecting attention away from a negative situation. When a quick fix is required, take your mind off your anxiety by focusing on something that doesn’t cause stress. For example, before giving a presentation or having a difficult conversation, count lights or ceiling tiles, listen to music, or imagine being at a happy event.

2. The Mitchell Relaxation Method

According to positivepsychology.com, this technique involves flexing and relaxing specific muscles to increase awareness of body position, breathing, muscles, joints and where we might be holding tension. As we focus on this, we’re able to intentionally release somatic tension and increase our mindfulness, which helps reduce anxiety.

​​If we can see stress not as something to be shied away from but as an opportunity to embrace, we can live a more complete, authentic life. After all, although evolution has shaped our minds and bodies, we are free to choose how we react and behave. Overcoming challenges, pitfalls, and failures in life are just as crucial as celebrating the wins and enjoying happy outcomes. Stress can be a valuable force for growth.

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Small things achieve big results

Vincent van Gogh is quoted as saying: “Great things are done by a series of small things brought together.” This quote highlights the idea that even the smallest actions or details can contribute to the creation of something significant. Focusing on and taking care of the small things can achieve big results over time.

Essentially, this is about being productive. In the moment, we might think that it’s just a small action or an insignificant choice, but they all add up. Productivity has a direct impact on our health, time and money. By being productive and efficient, we can complete tasks faster, produce more work, and increase the value we create and enjoy in life.

Those of us who are productive and manage our time well are more likely to be able to save money, manage our stress better, and make healthier life and financial decisions.

One of the first ways to prioritise the important ‘small things’ is to avoid multitasking. Multitasking is often seen as a way to increase efficiency and productivity, but in reality, it can have the opposite effect.

When we multitask, we divide our attention between multiple tasks, leading to decreased focus and lower quality of work. And, switching between tasks generally creates more stress and mental fatigue, but it’s incremental, so we don’t always notice it at the time. After a few hours of multitasking, we may simply feel frustrated but not really know why because we’ve felt busy, but haven’t been productive.

It’s better to focus on one task at a time, giving it the necessary attention and effort to complete it effectively before moving on to the next task. This can lead to improved concentration, higher-quality work, and overall greater productivity.

Here are some practical ideas to try out:

  • Identify your goals and priorities: Determine what is most important to you and what you want to achieve.
  • Make a to-do list: Write down all the tasks that need to be done and prioritise them based on their importance and urgency.
  • Use the 80/20 rule: Focus on the 20% of tasks that will produce 80% of the results.
  • Avoid distractions: Eliminate distractions such as emails, social media, and unimportant tasks to focus on what is truly important.
  • Take breaks: Regular breaks can help increase productivity and avoid burnout.
  • Review and adjust regularly: Review your priorities and to-do list, and adjust as needed based on new information and developments.

Remember, consistency and attention to detail in small tasks can lead to significant outcomes. Focusing on the small details and consistently working towards our goals can achieve great results over time, leading to big payoffs in the end.

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Because I want to

It’s easy to feel like our lives are just a series of obligations – choices and decisions made because we have to, not necessarily because we want to. From paying bills and working 9-5 to attending continuous professional development seminars, family events and keeping up with the Joneses. When we view life through the lens of obligatory choices, we can feel frustrated, stuck and hopeless.

On his blog in 2019, Seth Godin wrote: “If it’s an obligation, then you don’t have a choice. Pretending you do is simply a way to create frustration. Free yourself to simply do what you have to do. On the other hand, if you do have a choice (and you probably do) then it doesn’t make sense to treat it as an obligation. Own the choice.”

He’s not actually talking about obligations and choices here; he’s talking about mindset. Whilst acknowledging that some things are as they are and we can’t change them, Godin reminds us that we can choose how we think and feel about our actions. Rather than blaming others, owning our choices empowers us to make different choices.

When we own the choice, we can change the choice. Then, it’s not because we have to, but because we want to.

But – we need to understand what’s happening when we make a choice. With every choice, there is a trade-off (or multiple trade-offs).

Saying yes to something generally means that we’re saying no to something else. When we accept the loss inherent in the choice, we can move forward with peace and clarity.  When we choose something, it is so easy to only think about what we get from that choice. However, by choosing something, we are actually letting go of something else.

Our lives, ultimately, are not merely down to chance but choice. We don’t have to stay stuck in a job we don’t want, or a relationship that’s unhealthy for us. We can change the situation by either changing how we think about it – or trading it for something entirely different. From debt to a dead-end job, from unhealthy eating to sedentary lifestyles, we can change because we want to, not because we have to. 

When we know what’s in the trade-off, it’s so much easier to find the motivation to become unstuck.

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Deeper relationships, not deeper pockets

There are moments in life when we slow down and reflect on where we’ve been, where we are – and where we’re headed. Sometimes this is at the start of a new year, or perhaps it’s at a significant milestone in life when we feel like we’ve crested a hill and can take a rest and enjoy the view.

At this point, as we identify things we’d like to change and things we’d like to amplify in our lives, we set intentions and goals and share our dreams. When it comes to financial planning, it’s vital that we set our intentions with integrity and authentic values, not superficiality and disconnected values.

There’s a quote by Kevin Heath that goes like this: “In the end, kids won’t remember that fancy toy or game you bought them; they will remember the time you spent with them.”

As you read this and reflect on your own childhood, and perhaps your parenthood, it’s easier to remember the moments – not the monetary value – that defined us and motivate our choices today.

Yes, we can remember times of financial hardship or prosperity, and we can often remember big-ticket purchases, but it’s not always about the money spent, but what the money meant. This topic keeps coming up in our reformed thinking around financial planning: it’s not about how much money we have but how much we can achieve with our money. The two are linked, for sure, but where we place our focus will determine where we find our value.

When money is tight, it’s an opportunity for us to draw together and find creative ways to achieve our goals and dreams with the resources we have. And, when money is plenty, we have an equally challenging responsibility to invest or spend it wisely in ways that will have lasting value.

Ultimately, it’s about deeper relationships, not deeper pockets. As Charles Dickens wrote in his Christmas Carol, there is nothing in the world so irresistibly contagious as laughter and good humour. Wherever you are in your planning and reflection, may you be encouraged to focus on what you can achieve rather than what you can earn.

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