B/o Dhanya

On April 25, 2017, Dhanya and Pradeep became proud parents of a baby girl. The delivery was done at the Thangam Hospital of PRC in Palakkad at 5 PM. We had the 28th day celebration of the baby at Praseedha, Palakkad.

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Pradeep, Dhanya and B/o Dhanya

The hospital refers to the child as B/o Dhanya (Baby of Dhanya).

What do I do?

Every time I attend any meetup, I find it difficult to explain why I am there. I attended the Kilter pre-conference meetup in Mumbai today and found myself in a similar predicament.

I limit my introductions to the fact that I work in a public sector bank and don’t go beyond that. People who know me from meeting me at different junctures know me for the various interest I had had when they met me. I have moved on mostly. Currently, just working in a bank and my family keeps me occupied enough to prevent me from doing anything else.

No, that’s not entirely true. I have gotten more and more lazy and hence have not found the time for any of my other interests other than reading. I have, hence, been below the radar.

This then confuses the new people that I meet as to why I am there.

Bullet Journal

I used to keep a Bullet Journal way back in September 2015. By November 2015, I was writing so much work related stuff that I didn’t want to open it again. I abandoned it. I found it while surfing Evernote related help videos, in the YouTube suggested videos for you.

I found inspiration here and here and instructions here to dust off the old bullet journal from my diaries rack and use it again. Have kept it ready for use. Haven’t seen too many guys using it here in India, though. Examples welcome.

Dave Ramsey and his Baby Steps

In the beginning of 2016, I found myself in debt again. It was a suffocating feeling because small debts had grown large. It had not grown large enough to warrant selling anything to stay afloat but I knew it could get there. I was looking for a way out of debt and was searching online for ways to deal with it. It was during this search that I found Dave Ramsey and his Baby Steps.

Ramsey suggests that the way to stay out of debt (and this includes using your credit card), is a behavioral change. And the person whose behavior is to be changed is yours and not anyone else’s. Understanding and getting behind this idea is critical to permanent change. Ramsey says that getting out of debt and staying on a written budget gets us to a point where we can harness our greatest wealth building tool – our income – and use the money saved to invest and to give.

While his ideas seems to be tailored for US audiences, I think his message is useful to us in India and to me personally.

Ergo I still have to work hard to keep me from using my credit card, I have tremendously improved in knowing that I own the credit card and it will not own me. Ramsey suggests plastic surgery – cutting up your credit cards with scissors and shutting it down.

If you think you’re at that stage in life where you’re feeling overwhelmed and need space to breathe – watch the Dave Ramsey Show on YouTube if you like to watch stuff or read his book, The Total Money Makeover. It is one of the several ways to get back financial peace.

Desire

There are moments when I wonder if I had done such and such a thing at such and such a time, how my life would have changed. I realize the importance of doing that thing at that time but never actually do it. That is what makes me average. People who know what to do and then who have the gumption to actually do it are the people who are successful.

Where does the gumption to do it come from?

It comes from previous successes.

How does one go about building the gumption?

It comes from small victories.

Where do these small victories come from?

From taking the first step.

What motivates one to take the first step?

Having the desire to achieve the first step.

The world is full of suffering,

The suffering has a cause

The cause of suffering is desire.

Mumbai. January 8, 2016.