Penny's World

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  • The 50-30-20 Rule: Time Over Money

    What do you think of when you hear the “50-30-20 rule”? Does your mind immediately take you to financial budgeting? Well, I don’t blame you in this regard. All our adult life we listen to this principle in relation to money and how to judiciously spend the same- ensure that we enjoy our present but save enough for our future and any emergencies that we might encounter in this lifetime. Most of us struggle maintaining this in today’s economy and therefore prioritise either of those goals while some of us have attained mastery in this subject. However, that is not to say that some of us are just reckless with money- it just means that our situations don’t allow us to follow a set of principles with regards to one of the most important resources of the human life: money.

    Now, I have a question to all of you- is money the most important resource that we have in this precious little life of ours? I believe not. I believe that it is one of the most important resources- to me time is more important than money. We have a chance of getting back the money we lost but not time. Time is transient- once it’s gone; it’s gone. Like, no matter how much we crave to get our childhood days back- we can never get them back. Therefore, my conclusion of time being more precious, more important and therefore deserves much more attention. So, what if I say that the 50-30-20 rule can also be applied to time and emotional availability?

    I have struggled with emotional availability for a long time till I had to take things into my own hands. I found it difficult to say to people that I was unavailable when they needed something for me. Due to this personality trait of mine I have ended up deprioritising myself or my own needs, until I devised a simple plan for myself. Each person has a certain emotional bandwidth and to just spend all of it on the wants and needs of others just does not sit right with me. Therefore the plan and in the spirit of democratising my life for my readers, I write this blog.

    THE 50-30-20 PLAN:

    The plan looks something like this:

    1. I assign 50% of my time to my professional network. This includes both my time as well as my emotional availability for cold emailing, LinkedIn networking, coffee chats, reading newspapers or newsletters, articles or simply indulge in any networking events. You might be thinking why the lion’s share of my availability goes into this segment of my life. Well, my career forms a huge part of my life. I have a dream life which I am working towards steadily and with somewhat poise. It might not be visible to the world and sometimes not even to me- but my rational mind knows I am progressing- no matter how insignificant. Therefore, a majority share of whatever my emotional bandwidth is goes into my career and into achieving my dream life- what it looks like is a discussion for a future blog post.
    2. Now what do I do with the rest 50% of my emotional bandwidth and time availability. Well, 30% of my time is for people I hold very close to my heart- my core circle. This includes my parents, grandparents and my friends. They are my second pillar. Each and every person in this circle contributes to my growth. While majority of them complement my journey, some challenge me. You can say that these are the people who give me my drive to grind towards that dream life for which I have assigned the first 50%. It sounds absurd to have a set time limit especially for your family- but that’s just how life is. As you progress through life, it demands discipline. If you overrun every family call or every video call with your childhood friend- you end up with a pile of errands that were due day before yesterday. So what do you do? You plan and give yourself room for error. You surround yourself with people who are low maintenance. They understand the struggles you are going through. They don’t get angry when you forget their birthdays or don’t post a status with a long message. Sure they feel bad, they might as well feel like you are taking them for granted- but they never let that ruin the beautiful bond you have! It’s noteworthy to mention this here- keep people like the ones I just described very very close to yourself.
    3. We have finally arrived at the last and final segment of this plan or tool. The final 20% – I owe to myself. What I do during this time is my decision. I might spend 99% of this time and emotional budget sleeping or binging an entire season of F.R.I.E.N.D.S or maybe listen to Taylor Swift’s discography-but this is my time. I owe myself this. Each one of us go through life taking ourselves for granted. Well, that stops now. We owe ourselves so much more. While focussing on the first 80% we forget ourselves- its not to say that every other person in our life don’t deserve our time, emotional engagement or love- but always remember while your parents, your beloved or partner, your friends play a very important part in your life and you might not have achieved what you have till now without them- you went through those struggles all by yourself. No one fought your battles for you. Sure they gave you the tools to fight with- but you bear the scars. You are the one who bled, you are the one who gave up to build the dream life for yourself, your parents and your partner. It was YOU. So again, the final 20% is mine and mine alone.

    That’s it. That’s how I budget my emotions and time. Is it easy to achieve this? No, like financial budgeting, this is difficult to achieve. You might end up hurting people you hold very dear- you distance yourself from them because their goals don’t match yours. You make mistakes- a lot of them maybe. But slowly it all makes sense. This system also acts like a filter paper for your personal life. The ones who love you without strings stays right beside you when you are figuring out how to make this tool maximise your potential. And the rest of the people? Well, they sometimes fade away. As my girl Gracie Abrams said, that’s just the way life goes.

  • The Impact of Taylor Swift on Modern Womanhood

    “I’m alone, on my own. And that’s all I know.

    I’ll be strong, I’ll be wrong, oh but life goes on.”

    — Taylor Swift; Debut (2006)

    Taylor Swift- everyone has heard her name in 2024. A global phenomenon who has repeatedly shattered records after records, have fought for what she believes in and has given us back our girlhood while fighting for her own. But none of these reasons made me a Swiftie. It sure made me believe that we made the right person famous but my admiration for Taylor began way before all of these things happened. I started this journey with a girl who stepped into country music and have continued to this day- when she has become a pop music sensation.

    Today I write this blog to pen down how Taylor has unknowingly shaped me to who I am today and how she will continue to do so for million souls out there.

    Girlhood. A simple word with a long list of expectations- the burden of which every woman out there has to bear from the moment she is born. We are taught how to smile politely like a woman, how to dress to not catch attention, how to eat, how to speak- and sometimes what exactly to say so that our image of the “good girl” remains unaffected- they really do want that 1950s sh** from us. Taylor shatters those shackles women grow up in. Her discography has shown us that it’s okay to pursue one’s dreams despite the societal shackles. As a woman myself, she is an inspiration. Her life, to some extent, gives us a peek into what is yet to come- her music – a guidebook that tells us time and again to keep going despite the challenges.

    Well with the scene set, I can now talk about how Taylor helped me navigate life in particular. As a woman, we are subjected to timelines set according to societal standards-

    • graduation by the time we are at least 22
    • if we want to pursue Masters- we get admitted to the course as soon as possible
    • complete masters by the age of 24

    Congratulations! You have arrived at your ideal age of getting married almost! Your “biological clock” is at its prime. Such a timeline haunts us continuously- some of us face this from our families; some from the society and some from both. Like I said in my last blog post- the thought of having my life planned out in advance scares me. Taylor showed me a new reality. She has attained new heights of success with each passing year and she has been in this industry for the past 18 years! It takes a lot of strength to dominate an industry for 18 long years and she has done that with grace. She has helped me redefine my idea of success or the timeline on which I was leading my life – considering myself a failure upon not attaining a particular goal.

    However, success did not come to her without obstacles. She did not succeed without struggles, she succeeded despite them- and that is what inspired me and continues to do so every step of the way. In the past few years, life has not been a cakewalk- not only for me but for many people I know. It has taken a lot of courage to get up each morning and give our best. It has taken more than just determination to do that. As for me, it feels like I have lost out more than I have gained. Although I did learn about myself- my limitations, my likes, dislikes, ethics, morals and whatnot- I paid a price. I grew distant from my friends back home as well as my family.

    This is not a sob story to say that I have had it difficult in the last few years.This is an acknowledgement of all those efforts by all those people who put on a brave face everyday. This is what Taylor has taught me- to have a positive impact on people’s lives no matter where they are or whether they know you. So if you are feeling lost today- sit down, close your eyes and think about how far you have come, how much you have achieved, how beautifully you have grown despite all the negativity and just remember:

    “Everything you lose is a step you take,

    So make the friendship bracelets,

    Take the moment and taste it,

    You got no reason to be afraid

    You’re on your own kid,

    Yeah you can face this….”

    – Taylor Swift “Midnights”, 2022

  • Uncertainty in Life: Embracing Change and Growth

    I sit by my window clueless- with a vacant stare in my eyes. The rain is pouring down right now – the usual British weather, but the melancholy in my mind makes it gloomier than it is. I have only one question in my mind today – “What’s next?” The sense of uncertainty engulfs me and I go down that spiral of emotions. I cry. It’s a little tear that rolls down my left cheek at first and then the right. I am crying profusely now and I don’t know how to stop these emotions. Amidst all of this, my mind takes me back to the first time I realised I wanted to study abroad.

    It was back in May 2020. The world was grappling with the shock of the havoc caused by Corona virus. The chatter of the constant news updates and ambulance sirens became rampant everywhere. During this time, I graduated online from college upon finishing my Bachelor’s degree and was planning on what to do next. Following a couple months of break- I rejoined St. Xavier’s College, Kolkata for their MA in Political Science program. Although the familiarity of the class structures, professors and classmates was extremely comforting during a time when we were in survival mode, my heart yearned for something more and I had no clue about what it was.

    Following graduation a lot changed. In August 2020, I published my first book. Few of my friends moved to different cities and few of them moved back to their hometowns and went on with their lives; while I sat on my bed in soft yellow lighting at midnight, struggling to understand what it is that I want.

    Soon I got fascinated by the idea of studying abroad, something I never planned on doing for my Masters degree. As some of you know, this fascination began a journey that would continue for months and would involve endless hours of research and writing SOPs for my target universities. I started researching about what it is that I wanted to do, where do I want to go and gradually the answer to the question “What next?” became clearer with every passing day. In September 2021, I embarked on my first international travel to pursue my Masters of Arts in Conflict, Security and Development in the UK. By the time I started my course, I had it all figured out:

    • Graduation in 2022
    • Job by 2023
    • First home by 2027
    • A pet on my 30th birthday…..and so on and so forth.

    You get the idea!

    But like I said in my last blog, life seldom follows a definite plan and maybe that’s what makes life so much more interesting and stressful at times. Imagine how mundane your life would be had you known- at exactly which point in your life are you gonna meet your soulmate, or by what age you’re gonna get your first job, or get into your dream school, or meet your role model- everything would have been charted out for you. Although sometimes being in the unknown scares the bejesus out of me- the thought of having my life planned out for me scares me more.

    I wouldn’t lie- I did manage to meet a few goals on this plan of mine- I did graduate from University of Sussex in 2022 and secured a job in 2022 itself- lucky me, right? I thought so too. But as life would have it, I started feeling like I should be aiming higher. I should challenge myself to attain greater heights and soon my plans changed again. Although the essence remained the same- my priorities shifted a bit. So now I am faced by that question again- the same sense of uncertainty I felt in 2020 is back. But this time the feeling is familiar. This time I am more prepared for change. I am older and wiser. But does that mean I am not scared of the uncertainty anymore? I am. I wake up at night with my heart beat racing and with small beads of sweat on my forehead bothered by the possibilities my future holds. However, now it’s a fleeting moment of self doubt which is followed by long periods of striving for what it is that I want and tackling life one day at a time.

    So while I sit on my bed and look out the window and witness the lives of people around me, I reiterate one thing over and over again:

    “There’s always gonna be another mountain
    I’m always gonna wanna make it move
    Always gonna be an uphill battle
    Sometimes I’m gonna have to lose
    Ain’t about how fast I get there
    Ain’t about what’s waiting on the other side
    It’s the climb”

    ~Miley Cyrus “The Climb”

  • UK (Penny’s version)

    Brighton, 12/10/2021
    Welcome to Midnight Musings, Chapter 2: UK (Penny’s version).

    My UK journey has been a myriad of emotions to say the least. From the highest highs to the lowest lows, this has been an adventure and sparring a few details I wouldn’t have it any other way.
     
    I came to the UK as a Masters degree student eager to explore the world, soak in the culture, learn from the best in their field but most of all to become independent. And I got to tick all of these off my bucket list. But everything came at a price. The picture above was taken on my first birthday in the UK. Growing up in a very close knit family my birthdays used to be a huge thing with my mom cooking my favourite dishes to my dad getting my favourite birthday cake- my day used to be all about the hustle. However, my first birthday in the UK was not like that. 

    I remember starting the day at around 8 a.m. on a Tuesday morning of October to get my breakfast sorted followed by a 3 hour long class and a meeting with colleagues to discuss a topic decided by our professor for next week’s class. It was rough. I couldn’t concentrate throughout my class and felt homesick a lot. The time difference meant I wasn’t able to call my parents immediately so I confided about it in my flatmate who then took me out on a lunch date. Standing in the corner of a random street of Brighton, I felt the price I paid for my years of independence. 

    Being an international student or even simply being an expat is hard and growing up watching movies that show you a distorted reality doesn’t make it easier. It unfolds a journey of learning and unlearning: I have had to forego habits that were dear to me and develop new ones. I have rediscovered myself or facets of my personality time and again. I have fought my own demons and come out of my comfort zone to adapt to the norms of the country: and in retrospect I have loved every bit of it.

    My life became an embodiment of the phrase "change is the only constant".  I studied Political Science all my adult life and went on to work in finance and fell in love with it. I saw my life change drastically- from food habits to my Netflix watchlist. My icebreaker questions went from “How are you doing?” to “Bit chilly, innit?” overtime. I have had to learn to call my professors, my managers by their first names and be comfortable with it. Most of all, I have learnt about myself and have learnt to accept defeat.

    If I have to put three years of my life in one blog; more so in one paragraph this is what I would have to say: UK has been a rollercoaster ride with the best bunch of people. However, despite common misconceptions, your quality of life doesn’t immediately get better when you shift abroad. In my experience, it gets hard before it gets better. 

    ·To be hungry for one whole day because your part-time job’s shift sneaked up on you during your assignments and you lost track of time and forgot to cook anything: it teaches you what life is. 

    ·To have crippling self-doubt but still show up looking your best teaches you adaptability. 

    ·Doing 18 hours work days including assignments, part-time job and your daily chores just in time to get enough sleep for months at end- teaches you to be resilient in a way nothing else can. 

    All of this has made me want to give up many a times and go back but every time I kept asking myself: didn’t you always want this? Didn’t you always want to be independent? Didn’t you dream day in and day out of living abroad? And when the answer kept coming back as yes- it gave me strength to look life in the eye and say ‘bring it on!’.  

    I found facets of me that would have stayed hidden had I not moved miles away from home. I found people who made me push my boundaries and become a better version of me. I found home in myself: became happy in my own skin; my own space. The other part of it has been a dream come true ✨; but more about that in the next one!

    Leaving a few snippets of the other half on here. I hope you enjoy. For now I leave you with one thing- believe in miracles, they happen ❤
    King’s Cross Station, October 2021
    University of Sussex, September 2021

    London, March 2022 ♥️

  • Who Am I? Exploring the Essence of Self

    Who am I? My mind reiterates this question time and again and I travel back to days long lost to make sense of my identity, my being, my life.

    When I was 6 years old, my mother brought home a DVD of an infamous movie named the Sound of Music – the cover caught my attention. A woman in her early adulthood with the biggest smile on her face having the time of her life in the most beautiful of places. I don’t know what made me happy- the smile on the woman’s face or the beautiful hills that formed the backdrop of that picture. Now I know that it was the former. The latter merely complemented the joy and exuberance of this woman. I would go on to know her name years later while watching Princess Diaries. You might be thinking why I am rambling on about Julie Andrews and movies I watched growing up- wasn’t this supposed to be about who I am? Well, it still is. Consider this to be my epilogue to what is going to be a long journey of finding myself.

    Well that being said, let me pan the camera back to why I mention the Sound of Music. This movie featured a song that I learnt well before watching this movie – firstly from my mother and then gradually at school. The song went –

    Do, a deer, a female deer

    Re, a drop of golden sun

    Mi, a name I call myself

    Fa, a long long way to run…

    And so on and so forth. However, I got to know how the song starts only upon being introduced to this movie. Julie Andrews’ character takes the Von Trapp children to the very hill she used to run to from the church and finds out that the children were unaware of the music notes and therefore begins this song to teach them the same. She starts the song with the following lyrics:

    Let’s start from the very beginning,

    a very good place to start.

    When you read you begin with A-B-C.

    When you sing you begin with do-re-mi.

    Now this is where my monologue about the Sound of Music- might make sense to you. Everything we learn in this life has a definitive starting point – a definite structure to it. We know where our alphabets begin, our numbers begin ( at least what we are taught in our initial years, integers are a whole different can of worms), our education, our life – all very structured. The one thing to which no one has an answer to is, where do I begin? And I don’t mean to say this in the context that a speaker cannot find a definitive starting point while narrating a story. What I mean instead is, at what point or when do I become my own person- an amalgamation of my thoughts, ideas, morals, ethics etc etc etc and not the reflection of what my parents or friends or lover or haters or the society think I should be? Or who they think I am?

    Hence the question with which I started- Who am I? Am I my own person yet or am I still what people say and think who I am? When does one become their own person – is it when they finally take control of what happens in their life or does it happen within us before it takes fruition in the materialistic world? I write this blog to make sense of myself and hoping someone might find answers to similar questions that come to them at night.

    In my mind, I am not my person yet. A part of me is independent – and I know that part of me well— but not well enough. It’s still in the making- I am breaking and building it up again. I am marvelling at the beauty of what I have become. I am hating a few parts of it and trying to change it or accept it- trying to be comfortable in my skin. But there is another part of me- the part that makes me question myself. The part that makes me ask the same question again and again- and to make some sense of all my midnight musings- I take it to this blog!

    For now, I am just a girl trying to find a place in the world ❤

    P.S.- I hope you people don’t get bored of some very obvious Taylor Swift references!