This weekend, make a little alone time to list your new year resolutions and implement them from Dec 1st. If those resolutions have anything to do money management, here are two free-books and free seminar that could help.
Why you should make new year resolutions in November and implement them from Dec 1st? In his 2013 Ted Talk, former Google search quality chief Matt Cutts talked about the power of trying something new for 30 days
He says if you try something new for 30 days or stop doing something for 30 days, it becomes a habit and we are likely to stick to it. So why not use December as a soft-opening for your resolutions? By the time Jan 1st arrives, it would already become a habit and you are likely to follow it through in the new year and beyond.
Before we get to the free e-books here are some generic resolutions that can change our lives:
What more health?
- Stop eating all forms of sugar (white, brown, jaggery, honey etc)
- Eat fewer carbs. The SEBI multicap approach would work great for a diet. From 70-80% carbs why not reduce to 25%?
- Walk; Run; Play (I still play and break things at home. My fav is hitting yellow smiley balls with TT bats)
Want more money?
- Do nothing for 30-mins a day (or bounce a ball off a wall). That is when you get ideas; That is when you can plan the next steps: How can I upskill myself, how can I make more money …
- Be part of the gig economy. You might have noticed that I work with a lot of content writers these days. If you want to know more, check this out:
Want more clarity?
- Do not consume information unless you have a need for it
- DIY. Do not ask others. Dig deep and you become an expert.
Money management in a mess?
- Get somewhere private, turn off all devices and distractions and ask, what are my dream, goals and nightmares. How can get started to achieve these and prevent these (nightmares)?
- Adopt a need-first, product-last approach. Investors make the mistake of looking at products and asking “can I invest?”. This is like wanting to book a marriage hall without having a girlfriend. What is my need? What products would be suitable for that need? How can I restructure my existing investments to my needs? How can I plan for my goals so that I start investing right?
Get the two free e-books and plus a free seminar!
(1) Re-assemble is a series of basic money management steps for beginners and young earners that was started in Nov 2017. Download re-assemble e-book

(2) Mutual Fund FAQ 100 essential Q & A for new investors!
Learn to invest in mutual funds the right way with this e-book. Not your usual, “what is NAV?”, “what is the cut off time?” kind of book. Download 100 MF FAQ

(3) Free Seminar: Basics of portfolio construction: A guide for beginners (in English and Tamil!) Learn how to create a long-term investment portfolio. This assumes the viewer is an absolute beginner.
Do work on your money management in December and by January you would feel a lot more in control.
How to profit from content writing: is our new ebook for those interested in getting side income via content writing. It is at available at a 50% discount for Rs. 500 only!
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