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The One Thing You Should Spend Your Money On

The One Thing You Should Spend Your Money On

I’d always saved up every penny I earned.

For several reasons:

  1. My parents are both hardcore savers who taught me to stash my paychecks for the bigger things in the future.
  2. I started building my career 3 years ago and haven’t made much.
  3. I happen live in one of the most expensive places in America — Silicon Valley.

Because of this, I became more frugal with money and would only buy what I needed, which was groceries, gas, and utility bills. Everything else? Straight into my savings.

counting_money

    Of course there were times when my friends would ask me to eat lunch or dinner with them, and I’d get very tempted. But instead of spending $20+ on a meal (and possibly a drink afterwards?), I’d suggest coffee. I figured it was a good middle ground to satisfy both our interests. They’d have a companion to eat with. I’d have extra money in my pocket.

    Now I knew saving money was a good habit, but what was I saving for?

    A home? A car? My wedding?

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    Everyone aims for those achievements nowadays. And the thought of spending decades of my life working for things that are now considered “standard” by today’s expectations no longer inspires me to work (as) hard.

    Not to mention, our value of these things drop every passing year. Just think, are you going to be raving about your new home or car in the next 5, 10 years?

    Probably not.

    The thing is, too many of us in our 20s-30s focus too much on working and saving up every dollar that we forget how precious our youth is. We exhaust our minds. We sacrifice our health. We succumb to what everyone wants, simply because we believe that’s what makes life fulfilling.

    Only to realize, it’s not.

    Luckily, I’d found one thing that has made my life more meaningful and keeps me hard at work. And the best part is, it’s realistic with my budget and gives me a much longer payoff than the most expensive thing you can find on the market.

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    Travelling.

    Jeshoots_travel

      At first, I was shocked to see $4,500 on my bank statement. I mean I wasn’t there to splurge for fun, but mainly to work for my startup.

      But as soon as I thought about all the things I’d learned from my trip in the last 3 months, it made every dollar seem well spent.

      My experiences in a nutshell

      I learned how to protect my valuables from pickpocketers
      From what people told me, I had to be extra careful around the places I stayed: Kuala Lumpur (Malaysia), Bangkok (Thailand), and Ho Chi Minh City (Vietnam).

      I learned that Southeast Asia has a ridiculous number of coffeeshops and cafes, almost one on every corner. AND they offer free wifi! Surprisingly, many restaurants offer free wifi too (super convenient if you want to eat and work in one place).

      Luka
        One of my favorite coffeeshops in Thailand: Luka.

        I learned Uber is the cheaper ride option, but Grabtaxi has more reliable drivers.

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        I learned Cheapflights offer the cheapest flight deals.
        My cheapest trip was $63 from Thailand to Vietnam.

        I learned how to take the subway train and Skytrain without getting lost (after the 8th time).

        thai_skytrain
          The BTS “Skytrain” in Bangkok, Thailand.

          I learned to trust my gut more than the mouths of locals. 
          Usually, they’d lead me towards the wrong direction when I asked where [restaurant/coffeeshop/train stop] was or show me the wrong item in the store. And that’s because we had a huge language barrier, so most things I’d say would be misinterpreted.

          I learned over 50% of Malaysians are Muslim.
          That explains why a lot of Malaysian restaurants displayed signs with “pork-free!”

          malaysia_cafe
            Locals enjoying a midnight snack at a cafe in Kuala Lumpur, Malaysia.

            I learned that Thai people are some of the nicest, most laid-back people you’ll ever meet in the world. They don’t judge you based on your ethnicity or your beliefs. In fact, they thought I was one of them (even though I’m Chinese). :)

            bulan_me
              My Thai BFF and Airbnb host—one of the coolest people I’ve ever met.

              I learned you can negotiate 20–30% less from the original price in Thailand. And that walking away isn’t an effective strategy to help you seal the deal.

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              I learned theft is more common in Vietnam. If I walked into a supermarket, an employee would fasten a cable tie on my backpack zippers and cut it when I got to the register. That was to prevent stealing.

              vietnam_theft
                How Vietnamese prevent shoplifters in supermarkets.

                Travelling gives you more stories to tell, more friends to connect with, and experiences no one else could have.

                Isabella_Bruce

                  If I could go back, I’d have travelled earlier (in my early 20s). There’s just so much you learn as you walk down the streets, hop on the bus, eat at a cafe, and watch how people interact. Not many people in this world can afford this kind of luxury. So if you have the opportunity and money to, take it from me and book that trip you’ve been dying to go to.

                  After all, you only have one life to make the most out of yourself!

                  One Last Thing…

                  Mind if you do me a sweet favor, and share this article if you enjoyed it? It’d mean the world to me.

                  Featured photo credit: Ashley Schweitzer via minimography.com

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                  Tiffany Sun

                  Aspiring Writer

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                  1 14 Low GI Foods for a Healthier Diet 2 20 Time Management Tips to Super Boost Your Productivity 3 10 Simple Ways To Live a Longer and Happier Life 4 How to Deal With Stress the Healthy Way 5 How to Plan for a Healthy Diet for Weight Loss

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                  Last Updated on July 28, 2020

                  14 Low GI Foods for a Healthier Diet

                  14 Low GI Foods for a Healthier Diet

                  Diet trends may come and go, but a low-GI diet remains one of the few that has been shown to include benefits based on science. Low GI foods provide substantial health benefits over those with a high index, and they are key to maintaining a healthy weight.

                  What is GI? Glycemic index (GI) is the rate at which the carbohydrate content of a food is broken down into glucose and absorbed from the gut into the blood. When you eat foods containing carbohydrates, your body breaks them down into glucose, which is then absorbed into your bloodstream.[1]

                  The higher the GI of a food, the faster it will be broken down and cause your blood glucose (sugar) to rise. Foods with a high GI rating are digested very quickly and cause your blood sugar to spike. This is why it’s advisable to stick to low GI foods as much as possible, as the carbohydrate content of low GI foods will be digested slowly, allowing a more gradual rise in blood glucose levels.

                  Foods with a GI scale rating of 70 or more are considered to be high GI. Foods with a rating of 55 or below are considered low GI foods.

                  It’s important to note that the glycemic index of a food doesn’t factor in the quantity that you eat. For example, although watermelon has a high glycemic index, the water and fiber content of a standard serving of water means it won’t have a significant impact on your blood sugar.

                  Like watermelon, some high GI foods (such as baked potatoes) are high in nutrients. And some low GI foods (such as corn chips) contain high amounts of trans fats.

                  In most cases, however, the GI is an important means of gauging the right foods for a healthy diet.

                  Eating mainly low GI foods every day helps to provide your body with a slow, continuous supply of energy. The carbohydrates in low GI foods is digested slowly, so you feel satisfied for longer. This means you’ll be less likely to suffer from fluctuating sugar levels that can lead to cravings and snacking.

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                  Let’s continue with some of the best examples of low GI foods.

                  1. Quinoa

                  GI: 53

                  Quinoa has a slightly higher GI than rice or barley, but it contains a much higher proportion of protein. If you don’t get enough protein from the rest of your diet, quinoa could help. It’s technically a seed, so it’s also high in fiber–again, more than most grains. It’s also gluten-free, which makes it excellent for those with Celiac disease or gluten intolerance.

                  2. Brown Rice (Steamed)

                  GI: 50

                  Versatile and satisfying, brown rice is one of the best low GI foods and is a staple for many dishes around the world. It’s whole rice from which only the husk (the outermost layer) is removed, so it’s a great source of fiber. In fact, brown rice has been shown to help lower cholesterol, improve digestive function, promote fullness, and may even help prevent the formation of blood clots. Just remember to always choose brown over white!

                  3. Corn on the Cob

                  GI: 48

                  Although it tastes sweet, corn on the cob is a good source of slow-burning energy (and one of the tastiest low GI foods). It’s also a good plant source of Vitamin B12, folic acid, and iron, all of which are required for the healthy production of red blood cells in the body. It’s healthiest when eaten without butter and salt!

                  4. Bananas

                  GI: 47

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                  Bananas are a superfood in many ways. They’re rich in potassium and manganese and contain a good amount of vitamin C. Their low GI rating means they’re great for replenishing your fuel stores after a workout.

                  They are easy to add to smoothies, cereal, or kept on your desk for a quick snack. The less ripe they are, the lower the sugar content is! As one of the best low GI foods, it’s a great addition to any daily diet.

                  5. Bran Cereal

                  GI: 43

                  Bran is famous for being one of the highest cereal sources of fiber. It’s also rich in a huge range of nutrients: calcium, folic acid, iron, magnesium, and a host of B vitamins. Although bran may not be to everyone’s tastes, it can easily be added to other cereals to boost the fiber content and lower the overall GI rating.

                  6. Natural Muesli

                  GI: 40

                  Muesli–when made with unsweetened rolled oats, nuts, dried fruit, and other sugar-free ingredients–is one of the healthiest ways to start the day. It’s also very easy to make at home with a variety of other low GI foods. Add yogurt and fresh fruit for a nourishing, energy-packed breakfast.

                  7. Apples

                  GI: 40

                  Apple skin is a great source of pectin, an important prebiotic that helps to feed the good bacteria in your gut. Apples are also high in polyphenols, which function as antioxidants, and contain a good amount of vitamin C. They are best eaten raw with the skin on! Apples are one of a number of fruits[2] that have a low glycemic index. Be careful which fruits you choose, as many have a large amount of natural sugars[3].

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                  8. Apricots

                  GI: 30

                  Apricots provide both fiber and potassium, which make them an ideal snack for both athletes and anyone trying to keep sugar cravings at bay. They’re also a source of antioxidants and a range of minerals.

                  Apricots can be added to salads, cereals, or eaten as part of a healthy mix with nuts at any time of the day.

                  9. Kidney Beans

                  GI: 29

                  Kidney beans and other legumes provide a substantial serving of plant-based protein, so they can be used in lots of vegetarian dishes if you’re looking to adopt a plant-based diet[4]. They’re also packed with fiber and a variety of minerals, vitamins, antioxidants, and other beneficial plant compounds. They are great in soups, stews, or with (whole grain) tacos.

                  10. Barley

                  GI: 22

                  Barley is a cereal grain that can be eaten in lots of ways. It’s an excellent source of B vitamins, including niacin, thiamin, and pyridoxine (vitamin B-6), fiber, molybdenum, manganese, and selenium. It also contains beta-glucans, a type of fiber that can support gut health and has been shown to reduce appetite and food intake.

                  Please note that barley does contain gluten, which makes it unsuitable for anyone who is Celiac[5] or who follows a gluten-free diet. In this case, gluten-free alternatives might include quinoa, buckwheat, or millet.

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                  11. Raw Nuts

                  GI: 20

                  Most nuts have a low GI of between 0 and 20, with cashews slightly higher at around 22. Nuts, as one of the best low GI foods, are a crucial part of the Mediterranean diet[6] and are really the perfect snack: they’re a source of plant-based protein, high in fiber, and contain healthy fats. Add them to smoothies and salads to boost the nutritional content. Try to avoid roasted and salted nuts, as these are made with large amounts of added salt and (usually) trans fats.

                  12. Carrots

                  GI: 16

                  Raw carrots are not only a delicious low GI vegetable, but they really do help your vision! They contain vitamin A (beta carotene) and a host of antioxidants. They’re also low-calorie and high in fiber, and they contain good amounts of vitamin K1, potassium, and antioxidants. Carrots are great for those monitoring their weight as they’ve been linked to lower cholesterol levels.

                  13. Greek Yogurt

                  GI: 12

                  Unsweetened Greek yogurt is not only low GI, but it’s an excellent source of calcium and probiotics, as well. Probiotics help to keep your gut microbiome in balance and support your overall digestive health and immune function. Greek yogurt makes a healthy breakfast, snack, dessert, or a replacement for dip. The most common probiotic strains found in yogurt are Streptococcus thermophilus[7] (found naturally in yogurt) and Lactobacillus acidophilus[8] (which is often added by the manufacturer). You can also look into probiotic supplements for improving your gut health.

                  14. Hummus

                  GI: 6

                  When made the traditional way from chickpeas and tahini, hummus is a fantastic, low-GI dish. It’s a staple in many Middle Eastern countries and can be eaten with almost any savory meal. Full of fiber to maintain satiety and feed your good gut bacteria, hummus is great paired with freshly-chopped vegetables, such as carrots and celery.

                  Bottom Line

                  If you’re looking to eat healthier or simply cut down on snacking throughout the day, eating low GI foods is a great way to get started. Choose any of the above foods for a healthy addition to your daily diet and start feeling better for longer.

                  More Tips on Eating Healthy

                  Featured photo credit: Alexander Mils via unsplash.com

                  Reference

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