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How 30 Minutes a Day Can Increase Your Intelligence

How 30 Minutes a Day Can Increase Your Intelligence


    If you ask me, where humans go wrong is with their lack of patience. That, and their recent acquired taste for instant gratification.

    The reality is that things take time. Richard Branson didn’t become a millionaire overnight. Madonna was not an overnight success. David Beckham was not born a superstar footballer.

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    That said, it’s actually pretty easy to improve yourself. Why?

    Because most people don’t bother.

    The majority of people don’t do a single thing to improve themselves. They just coast along expecting the world and everyone else to change for them and then get frustrated when they end up stuck in a rut.

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    So I’ve come up with a new theory: The Half Hour Theory.

    I love it because it’s actually pretty easy to integrate into your life. The general idea is that you do one small thing every day for half an hour and then as time goes by you gradually improve. Sounds obvious, doesn’t it? You’d be surprised how many people don’t do the obvious. They do a lot of ‘talking about the obvious’ – but rarely do they take action.

    This could take the form of half an hour’s reading every day. Doing so for one year will mean you have read the equivalent of 24 books – that’s more than most people read over a decade, let alone one year!

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    You may even want to improve the speed of your reading so you can learn faster. It could take the form of half an hour of study everyday – a new language or a new skill. This would equate to a full 6 week course by the end of the year.

    This theory could even rely on you taking a half an hour every day spending time on the Internet, researching into something that really interests you. Doing this will ensure that you are always up to date with new trends and breakthroughs in your area of interest.

    The point is that by dedicating a small amount of time every day to something that will expand your intelligence or improve your life in some way, you will (after a while) notice a large result.

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    How half an hour can increase your intelligence

    Here’s how to implement The Half Hour Theory:

    • Pick something you’ve always wanted to learn or become more proficient in.
    • Schedule in a half an hour everyday to devote to learning the new skill (early morning is often a good time as there are no distractions, times during a commute are also great as this is dead time).
    • After a considerable amount of time (a few months at least) check in to see what you’ve learned. You’ll be surprised to see how much progress you’ve actually made.
    • Don’t beat yourself up if you miss a few sessions – simply get back on track. Remember: you’re doing more than the average person even if you fall a little bit off course.
    • Be patient. Don’t expect results overnight. It takes time to build up a new skill.

    (Note: If you’re not sure how to get started, here’s a handy list of 60 ways to improve yourself in the next 100 days.)

    (Photo credit: Post-It Note on Screen via Shutterstock)

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    Last Updated on June 22, 2018

    How to Nix Your Credit Card Debt in Less Than 3 Years

    How to Nix Your Credit Card Debt in Less Than 3 Years

    Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

    By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

    This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

    Hint: there are ways that are easier than you think.

    1. Consider consolidating multiple credit cards if possible

    This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

    It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

    Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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    Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

    My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

    Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

    2. Try to pay the full balance you spent each month at the very least

    You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

    Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

    If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

    3. Pay extra when you can – every small amount counts

    This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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    It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

    4. Create a plan on how to pay extra

    Back to the main point, having this plan is giving you one less thing to think about.

    This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

    For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

    Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

    5. Cut out costs for services you do not use

    If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

    In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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    6. Get aggressive about it

    Consider these points:

    Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

    Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

    Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

    Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

    7. Reevaluate your progress at set intervals

    Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

    By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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    Finally (and most importantly)…

    8. Keep trying

    Do not get discouraged. Pushing it off will make it worse. Just keep trying.

    Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

    Start knocking out your debt today

    The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

    Featured photo credit: Pexels via pexels.com

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