Well one of my habits is being fully aware of my spending. I make purchases on a basis of relevance to my current situation. For instance just because I make more money and I went from 40 hrs / week to 60 hours / week, and can afford to buy more doesnt mean I buy more. I know people who do this they get more hours so go out and buy a new vehicle. In my discipline, I spend exactly the same as when I worked only 40 hours/ week. I think it’s important to to stay grounded in reality when considering ones spending in relation to ones earnings. I know my daily needs and monthly expenses and accept to not spend beyond the limits I set for myself. Not really answering the question but this is the best way I can answer it. Thanks
I can work less and make less money for the moment but invest more time in my education so that i can earn much more money in the future .
Spend more time in the morning working out or meditating ,getting out in nature instead of coffee and social media .
When I want to save money, I buy gold, silver or bitcoin. Why?: Gold, silver and bitcoin tents to reward me on a longer period of time. My investment in silver and gold (which just started) brings my focus on 30 years into the future. My bitcoin position will be evaluated within 10 years. That is my money based low time preference.
Thanks for sharing. I`ll apply it 
.
that`s sound great.
I`ll study every day this Blockchain Academy at least one hour a day. Also I will pay more attention with my free time and use it in a more productive manner.
Saving (and investing) the money that I’d spend on clothes, which is actually quite easy now in the pandemic. Working from home doesn’t require anything new and it seems pointless if you’re remote.
Propose a change you could make to one of your habits, that would reduce your time preference from high (instant gratification) to low (delayed gratification) time preference. It could relate to any aspect of your life (financial, diet, exercise, relationships or education).
In the past when I went to college, after class was over I would go out and party. After I graduated, I did the same thing with work. After working all day I would come home, drink, then pass out. So here I was getting the instant gratification of knowledge from college and then going home just to kill brain cells, and I found out the hard way, forgetting some of the knowledge the next day. I then had to study more and pull all nighters, which led to me not sleeping, which ended up hurting my knowledge pool as well. Not only was I losing knowledge and health, I was also losing money on the party supplies. Now go to the future, where I get a job, I was still doing the same thing. Go to work, feeling accomplished when I got home, I drank. This led to me forgetting things at work, less sleep, spending money I did not have to, and sometimes missing work because of it. Life lessons I suppose.
Propose a change you could make to one of your habits, that would reduce your time preference from high (instant gratification) to low (delayed gratification) time preference. It could relate to any aspect of your life (financial, diet, exercise, relationships or education).
After receiving monthly salary, move 10% aside to use for investing.
My current situation is that I doesnt workout at all, my many earlier attempts to start training both in the gym weigthlifting and doing cardio is always for some attempt to meet some ideal body type. That goal doesnt motivate me at all these days. What instead recently have gotten my attention is the science behind our only known way to slow down the decrease of the brains cognitive capability during our lifetime, which is physical exercise. That is something much more valuable for me at the moment.
To get back to my answer on the study activity is that my current habit of not going to the gym or exercising in some other way because I think there is alot more fun and fullfilling things to do than that (like study on “ivanontechacademy” 
). To avoid instant gratification all the time I need to take a couple of hours in the week only for exercising that will generate hopefully future gratification with a healthy brain with a cognitive capability I will be happy with during my later stages in life when I get older.
Last year I gave up smoking. I was aware that it would require insatiable amounts of self-motivation and will power.
I may have achieved instant gratification had I stopped smoking cigarettes from one day to the next.
However, instant gratification never seems to last, and I wanted to quit smoking forever so, I decided to stop smoking, drinking alcohol, coffee, eating sugar and bread, all at the same time, and with a six-week goal.
My theory was simple. When I drink beer, I want to smoke, so I cut out the beer. My favourite cigarette of the day was always with my first coffee of the day, so I cut out coffee. I like sugar in my coffee, so I gave up sugar. I love eating pastries or croissants with my morning coffee, so I cut out bread too.
I lasted the full six weeks. My first return to coffee was on day 42, and bread on the same day, however, I managed seven weeks before my first beer. Pretty incredible no?
In this instance, I opted for more intense displeasure over instant gratification, although I achieved immense satisfaction through delayed gratification!
PS. I am a non-smoker since 1 year, two month and three weeks (or 454 days)
I could eat less chocolate.
I could take a much longer time to get to know a perspective partner instead of jumping in to a relationship head first.
I eat out way too much and not healthy enough. I need to go to the grocery store and purchase healthier food and cook myself to save money and have a healthier lifestyle
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Propose a change you could make to one of your habits, that would reduce your time preference from high (instant gratification) to low (delayed gratification) time preference. It could relate to any aspect of your life (financial, diet, exercise, relationships or education).
I have a rather low time preference in general, especially when it comes to finance and exercise. I do value the long term gains from a mindful diet, healthy relationships (I’m soon to be a father for the first time) and my view on education is that you should never stop the learning process.
The reality, of course isn’t all that perfect 
the hard thing is often to prioritize your time so that you can be as meticulous as you’d prefer. I have a tendency to save myself poor, and I tend to work out as I should. But the diet side is something that I really could work on. I could eat cottage cheese and nuts for dinner, many night a week. It’s not like eating junk food of course, but it’s safe to say that I could put more energy into eating better.
Instead of watching more entertainment videos, I need to spend more time learning the Ivan On Tech lessons.
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Spend less time on youtube, spend more time on the IOT academy.
Planning ahead instead of being caught in the moment with an emotional choice is a generic solution.
I have an issue with not utilizing my time as effectively as possible due to shiny objects like the news. To combat this I can work off a calendar and limit what I do to pre-approved activities within a designated block.
I used to have a habit of not looking at any screens for 30 minutes after waking up, which allows me ample time to wake up naturally, wash up, make coffee, write my journal and do a few minutes of stretching before any kind of inputs come in. Need to bring that habit back.
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Watch fewer hours of t.v. and use that same time to focus more on Ivan academy and developing my programming skills. I think my future self would really appreciate acquiring the skills and knowledge by dedicating more time to the listed above activities.
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