Whenever you want to buy something, calculate in your mind how many hours you had to work to earn this money and then ask yourself if it is worth it.
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My wife and I decided we would invest 70% of our income so that I could retire at 45, we did that by not buying fancy branded crap or cars and we only had short holidayās, we invested in gold then traded that for land &. built our house, We also bought rental properties and some equities. I retired at 43 got bored fast & went back to work so we could move to Bali, saved 80% retired again at 50 got bored by 52 and now planning to retire again at 55. The main thing we did was create a spread sheet worked out everything we needed for an OK life, worked out how to passively generate that income and worked towards it, regularly reviewing it, we also spent 3% of our income on self development mainly learning about property/investing etc.
I read or watched something recently, walking 10 minutes after a meal has massive health benefits & a habit I have been working on for a while
Audio books are great for commuting
I am currently struggling with making the time to prepare proper meals. While I eat healthy foods, I often find myself hungry without a plan which leads to a plate full of snacks rather than a wonderfully prepared meal. If I had a plan, I could buy the proper ingredients, prepare them in advance, and cook the meal. This would lead to a more balanced diet and a better eating experience which could have unforeseen benefits to my well-being. The slow cooker shall become my friend once again!
Spend less time gaming and more time studying. keep telling myself i should contribute more to my future self, but instead I keep finding myself doing other things and going to bed, thinking: ātomorow I will pick up studyingā.
I have a habit of self-indulgence when it comes to food consumption. I will stop eating to the point of a full belly. 
Donāt look at phone in the morning
Drink less wine, Iāll be grumpy in the short term but Iāll look younger in the long term (although Iām not sure if the grumpiness will subside)
I recently opted to spend more time cooking, to counter the spending of money on Uber Eats, although there is a reduction in the time I have for things I like to do more than cooking, I am spending less money, so long as I am not spending too much time cooking, then the trade off should be worth it financially. My cooking skills are best termed āsurvivalistā, so little to no gratification on some days, but the long term gratification I have knowing that I can pay bills and rent is all good with me.
I often like getting favorite video or board games right when they come out due to the hype. This would be alright if I actually played the games right then, but I noticed that I often wouldnāt get around to playing until weeks or months later (or sometimes never). With video games especially, the prices significantly drop if youāre willing to wait for a while and get them second-hand. So thatās what Iāve started doing. I stopped paying a collectorās premium and instead only buy the few games that I know I will actually play, and not until Iām actually ready to play them, by which time the price has dropped. FOMO is a major source of waste and mal-investment, and it feels good to cut it out more and more over time.
5 minutes of jumping rope everyday ā¦ thats all i need to do to increase my heart health, tone my whole body and get the happy hormones flowing - its all about growing older, healthier
Cheers 
Starting to meditate daily. I already excercise, read and live a healthly lifestyle. Iāve never had enough discipline to add meditation into my routine despite of hearing of all of its benefits
I can really increase my study time. I seem to reach a certain level and feel it is enough. When I can really push myself more and accomplish even more. I will do so going forward, despite the temptation to end it at that time.
I have a bad habbit of staying up late, then waking up late, which messes up my performance for the day. Going to be earlier will probably help me get done more during the day.
I am an athlete and I make a living training others, so I understand delayed gratification very well. On top of being physical active for 8-9 hours/day I am spoiled with a strong metabolism, so gaining & maintaining weight requires alot of eating. I can get away with eating cookies and chocolate, which turns into cheat meals that are actually apart of my diet. I have in the past, however, noticed that as I increase my cheat meals, I tend to spend more money on spoiling myself with eating out, treats, beers, etc. I believe if I modify my diet to healthy calories and restrict the treats, I would do the same thing with my finances. Iām looking forward to this experiment & I am grateful for the lesson that has reminded me of this important relationship.
I would play less video games. It would save money and time.
Over the past year I have already taken steps for delayed gratification. Cut down alcohol consumption, I exercise 5 times a week, paid off all credit card debt and topped up the savings account set aside for the closing of my new home next year. Also have been regularly investing any extra funds left over in the monthly budget. Iām certainly not close to being a millionaire yet but you cannot beat the gratification from accomplishing those goals to have more time and funds to invest in yourself.
As I work through this academy my main goal is time management. Managing the time I spend at work, exercising, and, studying blockchain. So far Iāve been doing well and kept consistent but my goal is to achieve true focus by putting my phone down. I strive for more efficiency and not having constant pauses in concentration. It would help to finish tasks much faster within a span of time Iāve given myself and overall be will rounded with time distribution in these three different areas of my day.
This would apply to most of my life. It is my fundamental problem in managing my life and is why I am taking so long to complete these courses. I would reduce the number of things I have to do in a day and try to focus on fitness, studying and working. I am trying to simplify my life to accomplish this but is not easy with a busy household and all of the distracting duties. I realize you cannot rush through important things that will make a difference in your life and the overall quality of life. It took me a long time to do this homework assignment because I didnāt want to say that completing these courses by accepting that it will take longer than I thought is really the number one thing I need to do. Iām not just saying this to get a āgold starā. Itās why we are all here, we just have different reasons and challenges.
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