Focus your planning on building habits and routines

Last time I wrote about ways to get insight in how your time is really spent on a weekly basis and how you can get some breathing room into your week. However I did not go into the actual making of the planning itself. This week I will talk about building the planning and what should be the main focus when planning. And no it’s not (always) about efficiency.

Plan with consistency in mind.

We have 1 new goal in mind, something we want to do more and achieve a certain goal in. To get good at something we need consistency in the time we spent on it. So much so that it becomes a habit and is part of our weekly routine. Before it’s a habit , something we do almost automatically, it needs time to first become a consistent part of our planning. And we have to be able to execute a planning.

To make sure this is feasible our planning needs room to breath, not just in time but also purposefully with breaks, rest and recovery space. Only then will we be able to fully work trough our planning. So it’s not about doing as much as possible, but we need to plan for longevity. We need to be able to keep up with ourselves. Consistency is key. It’s not a sprint, it’s a marathon.

How do we achieve consistency in a planning ?

We know how much time we spent on things, we also made some changes. Dropped some activities from the list and limited time spent on certain activities. So how do we fit in our new goal ? We have some room, now we partly fill this in with activities towards our new goal. Make sure you choose 3 moments in the week. 3 is the minimum for making something a habit over the long run. Don’t overdo it in hours especially in the beginning. It’s hard work starting something new and will take a lot of energy. So start modest. Let’s say 2 sessions of 1 hour and 1 session of 1,5 hours. Take 5 to 10 minutes break between each 30 minutes. Plan those as well. So how does that look ?

Time ActivityDuration
8:00 - 8:45Meeting0:45
8:45 - 8:55Break0:10
9:00 - 9:30Focus work0:30
9:30 - 9:35Break0:05
9:35 - 10:05Focus work0:30
10:05 - 10:15Break 0:10
10:15 - 10:30 Emails 0:15

Why do we need breaks in our planning ?

We need breaks not just to take a rest and recover, but the most important thing, we need it to let our mind process and digest the things we learned. Rest gives our brain the ability to remember and preserve.

Everyone has a limited amount of energy for doing high cognitive tasks a day. Things like reading a difficult book (or manual), working on solutions to complicated problems and so on.

If you trained yourself very well in these tasks and your environment is at its best (more on this later) this is 4 hours a day. Really focussed work. That takes a lot of energy. To recuperate it means you can’t do this for 4 hours straight without breaks. you need breaks to maintain a high level of focus. And to get out of that chair. So to make those hours count, breaks are essential.

But I work 8 hours a day ?

Yes most people do, and not included time spent traveling. Luckily a lot of work related tasks are not high cognitive tasks. A lot of things are low cognitive tasks preceding the high cognitive tasks. Simply the hours it takes to get a job done.

Finding a solution to the problem is the high cognitive taks, getting the tools out and spending the hours is less cognitive demanding. Yet can still exhaust you without breaks. So when you work, maintain the breaks. Take less meetings. Make sure the meetings you take are to the point, and are not back to back. You need time to process what is said in that meeting and distill the work that comes out of it for you. It might be counter intuitive to say no to people more often. But it will free up your work calendar and it will improve the quality of your output. Thus making you more efficient. See, there is some efficiency to be gained as well.

So in order to save up some energy for your after work activities and your new goal, go and take the same approach for your work planning as well. Take the breaks, don’t overflow your calendar, make sure you focus on what’s important and block time for high cognitive tasks.

High cognitive tasks & their environment.

Things that take a lot of brain power, finding solutions to problems. Learning new skills. Doing the hard things basically, need a certain setting for your brain to be able to focus. the first one being, no distractions. So no phones, no interruptions and ideally no screens. Or no internet connected screens.

Make sure the desk is clean, with just the things you need, and a pen and some paper for taking notes. Yes paper notes, by writing your brain remembers things better. So take any preferred notebook, blank sheets of paper, and start writing. Draw things. Any way that helps you remember the things you want too learn or work out the solution to a problem. And be able to reproduce them.

Set a clock and take a break of 5 or 10 minutes every half hour. You need to practice this. We live in a world of distraction and its not easy staying focused. It takes time. First few attempts might exhaust you.

Weekly planning

Your weekly planning is an overview of important tasks and activities. More importantly plan your rest and preferable take one or two moments in your week doing nothing, making sure you have playtime or just hanging around. The most important thing is breathing room and consistency. Yielding results is far more about continuing working that it is about short periods of hard work on your passion project and then months of no work at all.

And last but not least, have fun !

Book review – Good economics for hard times

This is one of those books I am not going to indulge in giving away some parts or examples of the books greatness. So no subjects , conclusions of problems discussed in the book. Not doing it. Which makes this a bit hard. Here I go.

What I am saying is anyone with just a slight interest in the reasons for the current state of the world should absolutely read this book. Especially if you have some affinity with economics. But the good news is, it’s not about economics. It’s about assumptions , which we all know are…. , anyway these assumptions have been drafted into policy. And these policies have inflicted permanent damage and made the problems they were designed too solve much worse.

The book touches on most of the main problems of our time , and all is explained in a clear and very understandable way. Without cutting corners in it’s due diligence.

It’s pretty remarkable how long some of these assumptions on social structures, money, taxes , income , human values have come back over a long period of time. While most of these assumptions were proven to be wrong or have changed over time. Nevertheless most measures to counter the problems have been intensified because there is nog change in our assumptions. Which made the problems even worse , and a downward spiral. Nobody thought about checking if what we were doing was in fact pointless.

Maybe I am being a bit cryptic in my review of this book. But hopefully you get some direction on what the book is about.

And forget what I said about it being interesting for people which want to know about why we are in a world we are in. This book should be mandatory for everyone. It should be mandatory in all schools , universities what have you.

It teaches a very valuable lesson , a problem can never be solved with just one field of expertise, not even when it’s the dominant field. It’s very much a necessity to counter our current problems with multidisciplinair teams , creativity and looking at the problem from different perspectives.

We can only solve our problems together, no-one can do it alone.

Mindset – How to get things done.

Mindset, how to get things done. Whatever that may be! Well I have done a lot of experiments with what works for me and what I should improve when I want to get stuff done. It consist of a few key ingredients. First and foremost is planning. Have a goal , break it down into steps and plan the time, resources and order and start stepping.

Well that’s easy. No it’s very hard. When I first started using weekly planning sheets it was out of sheer necessity because I would otherwise forget everything. It was in place for me to get by on a day to day bases.

Then after a lot of trial and error I got my day to day in order and got myself thinking what do I want challenge myself with. And make a plan. Then I started falling into some traps. First and foremost I planned way too much , too much tasks and too much goals.

Which brings me to ‘rule’ rather recommendation number 2. Plan too little. There will always be something that takes up more time or an unplanned event will destroy your carefully set to do list.

Have no more than 1 great goal at any time in 3 categories. Max, why ? Well otherwise it will get muddy and stuff starts drifting. You can only focus on so much. For example , set a work or learning related goal, one physical fitness and one personal life goal. Learn how to program , run a 10K race and plan a trip. Or whatever you want. There will be lots of other stuff needs doing besides those goals.

It’s also divided into 3 categories for a reason, one is demanding on the brain, one on the body. You can keep those two nicely balanced , your brain needs time to digest newly learned stuff and exercise helps a lot (as does sleep) , the third must be less of a braindrain and more in the way of relaxing.

You have only about 4 hours worth of intens brain work a day anyway. If you trained yourself right.

So keep to do lists small, and allow yourself much needed rest in between. Recovery is key. Only make new to to lists when old ones are fully done. Don’t put notes and reminders for future tasks on existing to do lists , it will distract.

Makes a nice bridge to the last tip for today, when doing work that needs a of your brain power , make sure you get rid of any distractions. Put away your phone, disconnect the internet, don’t open your mailbox. Make sure you fully focus on the task at hand. Make sure everyone knows you cannot be disturbed. Make sure you have a way of letting people know they cannot disturb you during those hours , only for emergencies. And let them know what an emergency looks like.

Make sure you don’t stretch yourself too much in those intensive brainpower consuming sessions. Set an alarm after an hour or two and take a real break. Jus eat something or enjoy a good coffee. Do not let your distractions in, no phone no email no internet. Just time for recovery. Limit the total amount of time to a max of 4 hours or so per day. Start with a half an hour and build from there. It’s hard focusing with such intensity.

I have made all the mistakes having way to many goals , too much on the to do list and every distraction possible at hand. It leads to frustration and anger because nothing gets done within the time frame you planned for it. Not even close. It’s not easy getting razorsharp focus. It needs a lot of training. The mindset isn’t just there the moment you decide it is. It needs training , consistency and rhythm to cement itself.

And for now , rule or recommendation 3, don’t be too hard on yourself. There will be days when everything goes easy , and there will be days, weeks even when nothing works. Just trust yourself and stick to it. You will get there and it will get easier to get your focus back. Make sure you evaluate your goals over time, is it still the right goal and does it need adjusting. Are the steps still the right ones. Have no fear of throwing goals in the bin if it’s not achievable for you. Just start a new one. I have trashed more than I finished. But made sure I learned from my mistakes. That’s why it’s important to evaluate.

And have fun, it’s not always fun, nor should it be. Some goals will be a necessity in order too get forward. But make sure you have fun along the way. And set fun goals, stuff that you know is fun from the beginning. And never give up on yourself and the process.

Rethinking the blog

Well I have been absent with blog posts for a while now. Last post was November 2019 and we are well underway in 2020 in the meantime.
So what’s up, well I have drifted a bit from what my original idea for the blog was. My personal interests in finance, music , running and art. The main idea was to write whenever I felt like it and keep it a bit diversified. I got caught up in the personal finance part of it all. Mainly because there are so many cool ideas and I tried incorporating all that in my blog.

Well that generated more posts but not a lot of interesting ones. So I am stopping all series, which don’t add to get people thinking about things and just state facts, like the dividend and portfolio updates. Lot’s of other people are doing a much better job on those topics than I do. It also means I don’t feel any pressure (totally self imposed offcourse) to keep a monthly schedule and post stuff for the sake of it.

It’s a bit of a re-focus if you will and a drive in writing more meaningful pieces than just following a format. Let’s see where it takes me.

November 2019 – Dividend

11 months in 2019 dividend wise, so another update is due. Not an extraordinary one but slow and steady is the name of the dividend growing game. November always is a month with just a few dividend paying company’s. At least in my portfolio it is. And this time it’s no different. Just a few but still a nice bump if you look at last year. Passive income is simply fun to watch. So here are the November numbers !

DateStockCurrencyAmount
15-11-2019ASMLEUR10,50
14-11-2019Apple EUR10,31
12-11-2019ASMIEUR30,00
TotalEUR50,81

Brain damage , experiences and everyday life

Brain damage , for most people something they can’t really get grips with. It’s hard too imagine one day waking up and being unable performing even the most basic of tasks without these simple things being incredibly difficult. And in most cases it’s ‘ invisible’ . Nearly 3 years in too my recovery I have learned a lot. Maybe I have written about some aspects in earlier posts but it helps putting my thought in order, so bare with me.

After my revalidation process where I learned how to handle the most mundane daily tasks, comprehending my place in the larger world began. Where the first steps were about not forgetting putting out the stove when going outside, taking your keys when going out, and more of the sorts. It was now about issues much bigger. What is my place in society , what can I still offer in terms of work, helping people and what are achievable goals for me?

These questions were much harder too awnser than expected. During the second year keeping the routines as learned during my recovery had the priority. Creating a stable day to day environment was one thing I underestimated greatly. Easy weeks give a false notion of being able to do more or a lot more the following week or weeks.

All too soon the I found this to be a mistake , your efforts need to be in balance , creating a tension between rest and activity good enough to keep you going. An excess week in efforts will cause weeks of instability.

After the second year and getting a rhythm going, it was time looking ahead. My internal optimist was still thinking in terms of careers , and being ‘normal’ again. The first difficulty came when looking for sorts of an internship where I could experiment with how far I could go and what I could still do within a working environment.

Everybody I had been speaking with was full of admiration with my commitment and tenacity but ultimately most didn’t see a possibility for me working with them. Doubts about risk and the practical issues with providing me with the right support were dealbreakers.

Fortunately you just need 1 person taking a leap of faith. Which in my case someone did. It is of the utmost importance to be joining society again, in any way, in this case being back in a work environment. I have the freedom setting my own limits , have a group of very friendly colleagues, there are coffee machines (you miss those when not around). And most importantly I have work at my own level and in my old profession.

These seem small things but very important in terms of your self esteem. It’s also useful with planning your weekly activities , parts of it are filled with work and I don’t need to fill in my own. You get out the door and there is a rhythm.

Getting back in my area of expertise was very important , where learning new things doesn’t come easy if it’s related too older knowledge which I had before my brain damage it’s much easier. I am a lot slower and I can manage far shorter hours of focussing and need a lot of rest. But by relying on some basics from the past it’s easier to maintain. It takes less energy than totally new stuff.

I have tried learning something new. Working with my hands for example. Fixing bikes, soldering and the like. Fun as a hobby maybe, but it took me ages and lot’s of energy getting the most basic routines under my belt. My motor skills were simply not good enough anymore. This way proved to be a dead end.

Returning in my old profession, albeit at a slower pace and less demanding, proved vital in my succes in the workplace. A lot of people try different professions after a serious accident and recovery, and for me this was a first reaction, let’s learn something ‘easier’ than I was used to. This turned out to be the wrong way. At least for me. Maybe there should be a bit more room for exploring the stuff people already know before doing new things. For one I am not less intelligent , just a lot slower. A full time job is hard but it doesn’t make you a complete ‘write-off’

So all in all getting back in my old ways is a good thing, and has resulted in a parttime job. I have left the idea of full time employment. It’s still in the back of my head though. And I will try and bent it a bit further in the future. For now it’s been a boost in self confidence and gives back a bit of independence. Very important indeed.

Society is equipped for people who can run at full speed within the society. Preferably a bit faster. As soon as you get to an abrupt hold , for whatever reason, it’s very hard getting back in. In theory there are guidelines, programs and projects aimed at letting people with a disability being part of society again.

All good intentions and efforts aside, theory and practice are far apart. I have been lucky, met the right people willing to help at the right time. Others are not as fortunate and have daily hindrance on top of their usual problems. It takes an extra toll on these people. Because I know they would love to find a place to make a positive impact on society.

Under 3 – A new attempt

While preparing for my last marathon I set a goal , running under 3 hours. At the time it meant a 18 minutes discount from my personal best. Quite a bit, and a reach. But the effort of chasing this goal was a new Personal best , 3:09:25. Excellent progress, and thus proof that setting goals is a very rewarding activity. Now it’s time to try again.

The goal remains the same. A sub 3 hour marathon, the same location, Dusseldorf. What will be different this time is my training method, amongst other things. I have been training with a schedule for running a marathon and getting across the finish line in one piece. Which was a feat in itself 3 years ago after suffering my brain damage. Running saved my life when I got ill, simply because I had an excellent fitness level. Ever since it helps me function within my new boundaries to the best of my ability. So largely because of the running and the discipline it brings I am were I am today.

All the more reason to set this goal and get cracking. So the training schedule will be different. So the first step is figuring out what it takes for me to be able to run under 3 hours.
In the meantime I will keep training as usual. until I am largely confident of my new direction.

The second step will be nutrition , I already eat as healthy as possible without overdoing it. Om my longruns I always bring food and drinks , mostly gel and bananas for the food part. Only problem is I mostly don’t eat it. I simply forget when things go smooth, and when things get though, only then I start eating. Which means I am always too late.

When racing a marathon I never forget, simply because all the stations which can’t be overlooked.
But in order for me to get the most out of the nutrition I need to practice more. I am now looking into simply setting alarms on my watch so I don’t forget. Also the recovery food after my run can do with an improvement. So lot’s of work on that front as well.

Third step is a more efficient resting method. I already need lot’s of rest because of my brain damage. So I am not really sure how to improve this bit. I will need some research. Anyway I will update as much as possible on my progress and process. Until next time !

September 2019 Dividend

Another month in the dust, thus time for a dividend update. This month there are a few new dividends paying out due to the growth of the protfolio. Also a few, one bank and two insurers, which are a bit of a coincidence , as I bought the shares for option construction purposes and was expecting having nonen of them at the time they were handing out the dividends. Nonetheless it’s here and I am clouting it. A bit of luck really.

Its yet again a nice improvement from last year, although a bit skewed with the Dow Dupont merger and split process and the dividend by accident with the bank and insurers. It’s good to have a growth and progress in the portfolio. It keeps one motivated !

See you all next month.

The numbers:

DateStockCurrencyAmount
28-09-2019Vanguard dividend appreciation fundEUR1,51
20-09-2019AegonEUR15,00
16-09-2019Corteva IncEUR0,35
16-09-2019DowDuPont INCEUR0,82
14-09-2019Dow INCEUR1,91
12-09-2019MicrosoftEUR8,36
11-09-2019NN GroupEUR76,00
11-09-2019UnileverEUR8,21
06-09-2019ASREUR70,00
02-09-2019ABN AmroEUR60,00
TotalEUR242,16

August 2019 Dividend

It’s been a while. Writing articles got a backseat to real life. So I am a bit behind. But we’re back. With August and the monthly dividend report. It’s the usual really. An increase in dividend income comparing the numbers with last year. And not surprisingly because of the fact I am still building the portfolio.

Another reminder of how important it is to be consistent and dedicated, it works. It’s better too invest a small amount consistently , then larger amounts when you have money ‘left over’.

Another fact of life, the world is still in turmoil. Brexit, nationalism, trade wars , oil you name it, it’s happening. Just the day to day madness really. Just keep building that portfolio and stay calm. One step at a time upon the ladder of investing.

Ok enough talking, it’s numbers time :

DateStockCurrencyAmount
02-08-2019Amsterdam CommoditiesEUR24,00
12-08-2019NSIEUR12,48
12-08-2019INGEUR24,00
15-08-2019AMGEUR20,00
15-08-2019AppleEUR10,40
29-08-2019AholdEUR30,00
TotalEUR120,88

July 2019 Dividend

A new month, a new dividend round. And another nice monthly revenue, which in most part because of the ever growing portfolio , not so much extreme dividend increases. Around 167% more. Seems steep but mostly because of the growing number of shares and ETF’s which pay out. Compounding interest at it’s finest. The 8th world wonder some say. Exactly as it was intended. A nice bit of passive income.

We live in strange times, as always maybe. But it’s rather strange indeed, geopolitics, environment and economical. The switch towards a more sustainable way of living which is upon us. Which has not yet been seen in any of the current driving numbers. It’s time we look at things in a different perspective. Calculate our production and profits not just in money and growth. Take into account things like health, impact on the environment and our surroundings, happiness and more of these kind of parameters. These should all be taken into account when calculation the gross national production of countries or the results of any company.

Unfortunately we are not there yet, until we are it’s all about the benjamins. Speaking of which , here are the July dividend numbers :

DateStockCurrencyAmount
25-07-2019Walt Disney CompanyEUR0,68
24-07-2019Cisco SystemsEUR8,83
16-07-2019W.P. Carey IncEUR9,32
11-07-2019Vanguard FTSE all world UCITS ETFEUR114,27
05-07-2019Unibail - WFDEUR16,41
02-07-2019Porsche automobil holdingEUR22,10
02-07-2019Nike IncEUR1,98
01-07-2019Coca ColaEUR5,41



TotalEUR173,59