Random | 6 Things I Realized About Life In My 40s

It's been a while since I wrote a story here. I posted a short one last August about a quick tour in Intramuros and another one in January and that's it, nothing more. Two posts for 2019, 3 if only I was able to finish this one (I started this post last December). But I didn't! I've always wanted to update this blog and write a new article but I also always find a way not to do it. Does procrastination comes with age? 'Cause it seems that way for me, nowadays.

Anyways, I'm writing this one as my way of releasing my worries and sharing the things I realized now that I'm halfway through my fifth decade in this world. 

Save and Invest

Before I left my stable job (in government) last 2013, I'd always say to myself that money is not everything, that money can't buy me happiness. Now I realized, money may still not be able to buy me happiness but it can certainly buy me (and my family) a comfortable and less worrisome life. 

Don't get me wrong. I love my job in the private sector. I learned a lot, and I mean A LOT, in my field of work. I also get good exposures, things that I'm sure I would never experience had I stayed in the government sector. So yes, I don't regret leaving my stable job as I really am bored with it. But I regret not having saved money back then. I used to be that kind of person that live in the moment, without regards to the future. I buy things that I want when I want it, things that I would just give away after some time. I never think of saving up. My thinking was that I am skilled and I can always find a job that can support my living. It's wrong, very wrong thinking!

Last 2017, I started my stock investment journey. I used my small savings to open up an account in BDO Nomura. I thought investing in stock market will easily pave the way for my financial freedom. But I'm wrong, once again. In my more than 2 years stay in the stock market, I realized it's not easy.  On my first year, I gained around 10% of my capital so I thought, 'yes, I can do this'. In 2018, I was proven wrong. I lost my gain from my first year plus around 10% of my capital. At the end of 2019, I'm down 27%. But I'm not giving up. Miss Market is telling me to study more so I will study more so I could make wise trading choices this time.

credit to the owner, click the image for my post on starting stocks investing

Also, I will make sure that I save a portion of my salary, even if small, to build up my emergency fund and add-up on my investments. With God's blessings and provisions, I know I can do this.

Stay Debt-Free

I got my first credit card way back 1999, if I remembered correctly. I got several credit cards from different banks since then. During that time, I buy things I can't afford buying in cash and use my family obligations (I help support my brother's studies, buy things my family don't have) as a justification.  Back then, I always maxed out my credit card limit. Imagine having 2 or 3 cards at the same time and maxing out all of them. I also have loans from other people and institutions. So yeah, I'm in deep shit!

In 2013, I was able to pay all my credit cards and personal loans. Except for my housing loan, I'm almost debt-free. I still use my credit card after that but I always pay in full, no roll-over balances. Then came 2015 when I lost my job. I couldn't pay my purchases in full so my outstanding balance started accumulating again. Of course, I found a job also in 2015. But I transferred to a more convenient apartment which led to bigger expenses so I wasn't able to pay my outstanding balance. In 2018, my father was hospitalized and I have no emergency fund to use so I rely on my credit card, too. My outstanding balance has accumulated once again. I used up almost 50% of my credit limit.

My not so good health last year made me realize that I shouldn't just live the moment, that I have to be debt-free so I would be worry-free, too. Since last quarter of 2019, I never made any big purchases, even if I'm tempted to. All new purchases (groceries, personal necessities) through credit cards, I make sure to pay in full. I also availed of installment plan for my outstanding balance to ease off on interest. I'm struggling but I know I'll be debt-free again. Soon!

Eat and Drink Right

I used to think I eat and drink right. But that was before! Most of the time, I skip breakfast. If I do have one, that would be late, around 10AM and mostly consist of just coffee or hot chocolate. I don't drink water that much (usually less than a liter a day). 

And since I can afford it, I usually eat out, too. By eating out, I don't mean eating in fancy restaurants. It's more like having lunch or dinner in fastfood chains. And this includes weekend meals, too. So yeah, I don't eat and drink right. But 2019 has been an eye opener for me. I visited the clinic almost every quarter last year when before that, I only went to clinic for mandatory annual check-up. My blood pressure is elevated, cholesterol and uric acid above normal range; conditions that if not treated immediately, could lead to more severe illnesses. So starting third quarter of 2019, I eat and drink right again. Less red meat! Less sodium. Less fatty foods. Less processed foods. Definitely just occasional visit to fastfood chains. More veggies and fruits. And I drink lots of water now, too. I make sure I get at least 1.5 liters (my initial goal is 2 liters) of water everyday.

my kind of healthy food: bulanglang tagalog, recipe on my food blog

For my few readers out there, eat and drink right. Don't wait for your blood pressure to shoot up. Don't let cholesterol and uric acid level go beyond normal range. Unless you want to take maintenance medicines for the rest of your life, eat and drink right. Now!

Get More Sleep

For the past 10 years or so, I only get an average of around 5 hours of sleep. There are times I go to work with just 1 or 2 hours of sleep. During my younger years, I'm more than fine with 5 hours. Nowadays, I feel so sleepy even in the early hours of the morning. It affects my job because I'm always late. Lack of enough sleep also contributes to my elevated blood pressure which leads to absences. I'm now not at my one hundred percent.

This 2020, I promised myself I will sleep early. So far, I'm still good with my promises. My internet connection will be cut down this January 26 so I hope I can keep this promise. I need to anyway, or else, I'll be forced to take maintenance medicine (for elevated BP), which I hate. For the past few days, my BP is back to normal level, so yeah, sleep pa more! ^_^

Sit Less! Move More!

This one I'm really struggling but I know I need to do it.  I need to lose weight. Everything I'm experiencing right now (elevated BP, above normal cholesterol and uric acid level, back and shoulder pain, GERD) was worsen by my being overweight. Okay, I'm still in denial stage, let's change it. I'm obese! There, I said it.

I used to work on my laptop with me lying in bed. I also play games and watch movies lying down. Now, I'm writing this post with me sitting on a chair, posture in check (bad posture also contributes to my pains). It's a start right? Mall-ing is better than lying in bed and playing games isn't it? After this, I'm going to the mall and window-shop and walk around. I'd love to enroll in a gym but I can't afford it right now so maybe, I'll get back on going to parks and walk around again. They're just stone's throw away from my place, anyway.

forest in the city @ Ninoy Aquino Parks and Wildlife Center
this park is stone's throw away from my place

Limit Use of Gadgets

I got my first laptop (got a PC before that) in 2008, I think. That was the same time I got exposed to online games, too. I used to play Dekaron with officemates until the wee hours of the night so yeah, it worsen my bad sleeping habits. Around that same time, I got my first smart phone, too. By then, I learned to read ebooks instead of actual books. I started surfing the world wide web a lot, too.

For the past 2 years, my gadgets have become my life. I stayed on my bed the whole day; watching movies, playing games and just browsing the internet. And what has these gadgets brought me? Pains! Lots of pains! I now have chronic back and shoulder pains that extends to my neck and head, too. My shoulder and back hurt so bad that I have to transfer my bag (with just 2 phones, some coins and keys) from one shoulder to another several times during mall-ing. The connection? My excessive use of gadgets leads to bad posture, bad eyesight, bad eating and drinking habits, bad everything actually.

Now I'm planning to cut my internet connection at home. Steady and stable internet connection has contributed so much to my gadget and games addiction. And since I couldn't cut my fingers to stop this addiction, then I'll just cut my internet connection. I still have my cellular data connection but signal here at home is not good and and is unstable so it would definitely limit my time on games and online stuff.

 

~ oo00oo ~

What about you dear readers? How was your 2019? Was it good? I hope it was. But whatever your circumstances are, let us make this 2020 a better year for us all.  Let's improve and make ourselves worthy of all the blessings that God has given us, through the years. And let us all be grateful always, blessings and trials, for our Lord Almighty will never leave us and will always be there for us. Happy and prosperous new year my dear readers. God bless us all!