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Ask HN: Will soon have lots of time and little money – how to spend it?

95 点作者 granfalloon大约 11 年前
Hi HN,<p>A week from now I&#x27;ll be leaving a high-paying&#x2F;high-stress job at a big law firm for a part-time remote position (bitcoin related) that pays (comparatively) very little. I decided I wanted time to seriously pursue music, while also having time to read and learn new things (something I haven&#x27;t done much of the last few years). Diving into the workings of bitcoin has also made me want to get back into learning programming, which I haven&#x27;t really done since college. It&#x27;s a big change and a bit scary, but I figure now is the time to do something like this, as kids are still at least a few years off.<p>So I&#x27;m looking to HN for general advice on budgeting my time and money -- I&#x27;ll have plenty of the former and little of the latter. I really want to maximize this experience, but I also know that I tend to be a bit over-ambitious (&quot;5 hours a day of music! Learn python! Work through euclid&#x27;s elements! Start an exercise regimen!&quot;.) I&#x27;ve read plenty of great posts on HN about productivity, efficient use of time, and ultra-budgeting, so I thought this would be a good place to start. I&#x27;m also looking for any general tips about staying engaged and active while working from home.<p>If anyone has any advice or stories to share, I&#x27;d greatly appreciate it. Thanks, all!

35 条评论

atlantic大约 11 年前
I&#x27;ve been working from home for about 5 years. If you want to be productive, the key point is to make a very clear distinction between work and leisure. On a normal job this is clear enough - the clothes, the physical setting, the timetable, all converge to trigger your professional mindset. Not so at home.<p>Organize a little corner of your house for working. Even if it&#x27;s just a desk and a bookshelf. Keep it reserved for your work hours&#x2F;activities only. If you can schedule certain activities outside the house, eg a shared workspace, even better.<p>Give yourself working hours and respect them - preferably for a whole week, but at least for the next day. If you have several activities, divide up your time between them in advance. If possible, set daily or weekly goals for the activities you are engaged in.<p>Dress for work, even if you are at home - not necessarily a suit, but put on some decent clothes and shoes, and brush your hair, make yourself presentable. Go out for a short brisk walk before starting work, to simulate your commute; possibly repeat at lunchtime (more relaxed) and in the evening.<p>Do not snack between meals - VERY important. Avoid sweets, fizzy drinks, pastries, as you are less physically active than before. Schedule exercise every day.<p>Create at least one &quot;event&quot; every day which takes place outside the house and involves other people. This will give a focus to your day. Make sure you get enough human contact. You&#x27;d be surprised how important work is in this respect, even if you have no friends there.<p>Edit: be very strict about your use of the internet. Reading news is not working. More generally, honestly evaluate how you use your time relative to the objectives you have set yourself for that day.
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rkuykendall-com大约 11 年前
You should use <a href="https://habitrpg.com/" rel="nofollow">https:&#x2F;&#x2F;habitrpg.com&#x2F;</a><p>Take everything you want to do every day, cut the time in half, then cut the time in half again, and add it as a &quot;Daily.&quot;<p>* [x] 1 hour of music<p>* [x] 30m of CodeAcademy Python<p>* [x] 20m exercise<p>The key is to keep is so absurdly short that you will have no trouble doing them in a day. BUT, by doing them every day, you will accomplish much more than if you had overcommitted.<p>Using HabitRPG instead of a daily to-do list ads a gaming aspect to it. Skip enough days, and your character dies and loses a level. It&#x27;s a lot of fun.<p>I&#x27;m currently using it to get myself to do a little Duolingo for spanish, floss every day, and try to stop drinking soda (habits section).
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wpietri大约 11 年前
There&#x27;s a meta-rule that&#x27;s been very helpful to me: never change today&#x27;s rules.<p>For example, for the last 6 months I&#x27;ve been changing what I eat. Sometimes the rules I&#x27;ve picked seem like such a good idea, but turn out to be really challenging. Does that mean I&#x27;ve been too optimistic setting my goals? Or just that I&#x27;m in the middle of useful struggle?<p>By deciding that I&#x27;ll only change tomorrow&#x27;s rules, never today&#x27;s, it makes habit-building a lot easier. If I booked myself 5 hours of music per day this week, then by gum it&#x27;ll be 5 hours today. But I&#x27;m allowed to say, &quot;Tomorrow, though, fuck it.&quot;<p>This constrains my rule-hacking powers in a way that keeps me from undermining my progress when things get hard.
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wpietri大约 11 年前
Rest.<p>For a while, do a lot of nothing. Long walks. Relaxed hikes. Meditation. Sitting at cafes, watching the world go by. Dawdling on park benches, tree stumps, beaches.<p>Why? Well, part of it is that high-stress jobs have a long-term cost. You likely need to heal. But it also sounds like you have both a learned habit of and a natural bias toward keeping busy.<p>That business has its benefits. But for me at least it was also a symptom of avoidance. I didn&#x27;t want to think about uncomfortable things in my past, my present self, my likely future. Changing that has made an enormous difference in my life, and I wish I had done it years ago.<p>So book a lot of time for rest until you feel like you can sit quietly for a half hour without resorting to distraction. You could try an Unschedule [1] for that as a way to get started. Or you could just have some set working hours and let the rest of the time be. And definitely consider picking up a meditation practice. I&#x27;d suggest simple insight meditation (aka Vipassana) as an easy way to start.<p>[1] <a href="http://www.lifeclever.com/how-to-unschedule-your-work-and-enjoy-guilt-free-play/" rel="nofollow">http:&#x2F;&#x2F;www.lifeclever.com&#x2F;how-to-unschedule-your-work-and-en...</a>
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elleferrer大约 11 年前
Follow the five-rule plan:<p>1. No more zero days - do something towards whatever goal or want. (e.g. make time to study&#x2F;research&#x2F;learn&#x2F;design&#x2F;develop&#x2F;create&#x2F;build&#x2F;launch)<p>2. Be grateful to the 3 You&#x27;s - The Past You, The Present You, and the Future You.<p>3. Exercise - when you exercise, you are doing your future self a huge favor.<p>4. Read Daily - almost everything we&#x27;ve ever thought of, or gone through, or wanted, or wanted to know how to do or whatever has been already figured out by someone else. Reading will help you better understand.<p>5. Have faith and follow through with action.
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3pt14159大约 11 年前
Get a good kitchen set and starting making your own meals. Spend two weeks where you make every meal you eat, so you break the habit of eating out.<p>Also continue to surround yourself with fantastic people, it will keep you from getting depressed. Exercise (jogging, especially) is a very economical and beneficial pastime. Start that as soon as possible.
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jasonkester大约 11 年前
&quot;Guy on the beach with a laptop&quot;.<p>Seriously, lots of time&#x2F;little money is why Thailand was invented in the first place. Rock up on Tonsai beach today, just as the high season is winding down and you&#x27;ll have no problem negotiating a bungalow for less than $300&#x2F;month if you tell them you plan to stay a while.<p>They have good enough internet for casual remote work, good power, awesome rock climbing, Australian girls sipping stiff drinks out of a coconut, and all that James Bond Villain Headquarters scenery that Thailand is famous for.<p>And there are roughly thirty thousand equally nice beaches scattered across this world that will offer pretty much the same combination of cheap living, paradise, and wifi.<p>Sucks to be the rest of us. Keep us posted!
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namenotrequired大约 11 年前
Congratulations on taking the big jump and going on a new adventure!<p>I&#x27;m hoping to be in a similar situation in the future (uni student with a gap of up to 7 months because I&#x27;m ahead of the curriculum, and I have maybe ~€3k in savings, while living with my parents). Here&#x27;s some ideas I had for myself.<p>- Travel cheaply. I have friends in many parts of the world and hopefully some of them will let me stay with them. I could also stay closer to home and travel by bike with a tent, but sleeping in a tent might be harder to combine with a remote job.<p>- Experiment with freelancing, possibly on a &quot;Pay what you want&quot; basis because I won&#x27;t really need the money<p>- Focus for some time on just learning the things I&#x27;ve wanted to learn for a long time; technologies, languages, hobbies, professional skills.<p>- Create some side projects, primarily to learn but some might also bring in a little money.<p>Disclaimer in case it wasn&#x27;t clear: I&#x27;m not speaking from experience, those are ideas I have for the future.<p><i>&gt; I&#x27;m also looking for any general tips about staying engaged and active while working from home</i><p>This is something I do have experience with and I found that communicating sufficiently, clearly and honestly is both harder and more important than at non-remote jobs.<p>Edit: I&#x27;m also bookmarking this thread to find advice for myself - thanks a lot for posting this question!
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eswat大约 11 年前
I’ve started the same process as you; left a comfortable, well-paying job two weeks ago so I can pursue other ways of making a living and doing contract work to meet basic needs.<p>The most important thing for me is to make sure my health is in check, since that’s the foundation for everything. My mental checklist - things I go through my head every now and then to make sure they are at healthy levels - is food, fitness, sleep, stress and sun. I try very hard not to compromise these in pursuit of doing other things.<p>Another thing I’m doing now is treating every project as a client, including personal projects. I had been using FreshBooks for keeping track of client work, but I also use it to keep track of the open source projects I work on. Obviously I don’t charge these people, but I find it helpful to see in one place where I’m allocating the time I spend designing UI and writing code. If I notice I hadn’t been putting enough time yesterday, I’ll let go of other pursuits to make the time.<p>As for saving money, having a budget that you can easily refer to helps. I use You Need A Budget becaus - unlike mint - it forces you to really look at each transaction and “give your money a job”.<p>What I haven’t solved yet is the social interaction I had while working in an office of people I knew. While I have access to a co-working space, people tend to keep to themselves. Same thing with coffeeshops. I’ve had to just rely on friends and meetups to balance this instead.<p>EDIT: my contact info is on my profile if you ever want sync up and share further tips and experiences. This goes for anyone else trying out this type of experiment. :)
grayrest大约 11 年前
Learn Clojure via Overtone! <a href="https://www.youtube.com/watch?feature=player_detailpage&amp;v=Mfsnlbd-4xQ#t=150" rel="nofollow">https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?feature=player_detailpage&amp;v=Mf...</a><p>I personally have to either wake up early, wake up and exercise, or start working outside my apartment (e.g. eat lunch out and take my computer) in order to not fall into slacking off all day. Assuming I don&#x27;t fall into one of my slacking off patterns (e.g HN&#x2F;Reddit&#x2F;Twitter tech &quot;news&quot; all day), I&#x27;ve never had trouble staying engaged. I think of it as working every day but sometimes I get paid for working on other people&#x27;s projects and others I get to enjoy working on my own. My personal priority list of things to do puts sleep and waking up without an alarm as the top priority.
asterfr大约 11 年前
Do that stupid thing: a todo list. Write what you want on it, set priority, set a lifetime for the todo list (like say it&#x27;s for three month), setup deadline for some achievements like (30 hours of by june), update your todo list.<p>You&#x27;ll keep track about what you have done so far and it will remove that feeling that you will meet at some point that you haven&#x27;t achieved anything.<p>The key is to review your todo list regularly : to know what to do, to remind you of your objective, to write down that you have actually done something and also, very important, to update it by removing what doesn&#x27;t interest you anymore and adding new stuff.<p>I have a three months todo list, with all the big things in my life, I have milestones or targets for all these. I find it pretty efficient.
derwiki大约 11 年前
Congratulations :)<p>- when you find yourself not being productive any more, stop and take a walk. You can&#x27;t be productive 100% of the time, and it&#x27;s important to accept that. 30-60 minute walks will do wonders for you.<p>- pick modest goals for the first month to make sure you knock them out of the park, and then set appropriate goals the following month. Nothing gets you down like missing your first set of goals and being perpetually behind.
Mz大约 11 年前
Let me suggest that you view this as an opportunity to <i>unplug</i>.<p>I was a homemaker for years and I homeschooled my sons for a long time. We are solving hard (personal) problems and making a significant transition in our lives in part because we tend towards not having a TV, have gone through periods without a phone, and tend to have fairly quiet lives, literally and figuratively. People who have super busy lives often have very noisy lives. While driving, they have the radio on. While jogging, they have the ipod on. While relaxing after work, they have the TV on. Their phone is always on and they are super plugged in to social media and on and on.<p>I think constant noise makes it hard to think. I think it promotes that sense of needing to do a million things and not being able to afford to do just &quot;nothing&quot; for a time if you wish. If your brain is constantly being bombarded with musical lyrics and TV advertising and on and on, how can you ever really, truly think about anything?<p>When my kids were little, I was able to deal with some serious personal issues in part because I was able to be a homemaker. Cooking, cleaning, doing laundry and caring for small kids took all my time but it did not take all my mental capacity. Thus, it allowed me to think deeply about a lot of things without much interruption. It became a habit and I continue to arrange to live quietly in some sense so my brain is not bombarded with other people&#x27;s word, ideas, etc all the time so my own ideas and feelings can find their way to the surface and be expressed.<p>Congrats and good luck!
amha大约 11 年前
You should read Mr. Money Mustache! <a href="http://www.mrmoneymustache.com" rel="nofollow">http:&#x2F;&#x2F;www.mrmoneymustache.com</a><p>He&#x27;s an ex-software engineer who, by living reasonably (not even at extreme levels of frugality) saved enough money in seven or eight years to retire at age 30. He&#x27;s got great money advice! You&#x27;ll love him!
analog31大约 11 年前
Speaking as a musician, it will cost you a bit of money up front, but finding a top notch teacher and taking a few lessons might be a great way to kick off the new phase of your life. Of course I&#x27;m saying this while having procrastinated on doing the same for myself. Find a teacher who could provide you with a frank assessment of your technique, and identify gaps in your abilities that might hold you back from fully engaging in your local music scene at a desirable level.<p>Also, a check-up on your technique might be a good idea in order to avoid injuring yourself once you do start in with those 5 hours a day. Naturally some instruments are more physically demanding than others, but any instrument can hurt you if you don&#x27;t consider ergonomic technique.
wj大约 11 年前
I&#x27;d recommend filling out a dreamline (Google it) to figure out SPECIFIC goals you want to achieve over the next year or so. Then list the specific steps you need to take to achieve those goals.<p>Start on step one today.
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EdwardTaylor大约 11 年前
I took on a similar shift last year, with a similar drive to cement my grasp of a few languages. Depending on your location, I cant recommend highly enough looking for a hotdesking site if there is one nearby. This will not only break up the monotony of your house, and provide a clear &quot;work&#x2F;play&quot; separation, but will stick you in with like minded people &#x2F; freelancers who may be further along the process. This &quot;productive socialising&quot; hits two birds with one stone, accelerating your learning and keeping you sane!
bediger4000大约 11 年前
If you&#x27;re going to go to a bar and socialize, get a low-priced single malt scotch, and really stretch it out. Bartenders will let you nurse a single scotch far longer than the equivalent dollar amount of beer. Also, most people&#x27;s bodies recognize that scotch isn&#x27;t all that good for them, so you will feel biological pressure to not drink very much at all.
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AdrianRossouw大约 11 年前
I&#x27;ve actually spent the last month doing the same.<p>I started blogging. just to decompress, and figure out what i&#x27;ve learnt over my career.<p>I actually think it&#x27;s allowed me to rediscover my voice, and i just... i have so much to say. I didn&#x27;t expect that.<p>It&#x27;s been very freeing, and I think possibly life changing.<p><a href="http://daemon.co.za" rel="nofollow">http:&#x2F;&#x2F;daemon.co.za</a>
ar7hur大约 11 年前
If you can do your work remotely then pack a small backpack, and travel around the world. No flights, just cheap road transportation, trains, boats, where you&#x27;ll meet ton of people you&#x27;d never meet in your life. Go to South America, to Asia, to Africa, if you&#x27;re smart and tough you can travel a year on a $15K budget.
quesebifurcan大约 11 年前
Since you&#x27;re interested in both, one possibility would be to somehow combine your interest in music with your curiosity about programming (especially if you&#x27;re into electronic music). Something like SuperCollider&#x2F;Overtone or, if Python is your thing, maybe <a href="https://code.google.com/p/pyo/" rel="nofollow">https:&#x2F;&#x2F;code.google.com&#x2F;p&#x2F;pyo&#x2F;</a>. You might not be able to rush through the docs at CodeAcademy-pace, but -- who knows where you&#x27;ll end up? Also, having a project you&#x27;re personally invested in (which is usually the case when music is involved) is incredibly helpful when learning new stuff; there is always something to do.
matchagaucho大约 11 年前
Sounds like you&#x27;ve already taken the biggest and hardest step; which is to simply initiate the change.<p>My #1 piece of advice, while you&#x27;re setting goals and scheduling activities, is to understand the organic rhythm and cadence of growth for each goal.<p>Work brings an inherent cadence of 9am-5pm, Mon-Fri and success is often calibrated every week&#x2F;sprint&#x2F;quarter.<p>But learning guitar, body building, and understanding new programming languages each have their own organic cadence and process for achieving mastery.<p>Sometimes taking a break from learning something new and simply reflecting is better than grinding away for 5 hrs per day, as that pattern tends to reinforce bad habits rather than develop new and better habits.
burritofanatic大约 11 年前
It felt good to have a regular job after leaving a law firm when I did that myself a few years ago. I ended up working as a lowly CSR for something I considered my passion at the time. After a couple unexpected transitions, I&#x27;ve picked up coding and am doing that full time remotely at home now.<p>People here are right: Separation between time and work, Food - don&#x27;t eat too much of it, and Humans - you need that contact.<p><a href="http://theoatmeal.com/comics/working_home" rel="nofollow">http:&#x2F;&#x2F;theoatmeal.com&#x2F;comics&#x2F;working_home</a>
joshuaheard大约 11 年前
I don&#x27;t know how much money you have, but I would invest it into an income asset like a rental property or dividend paying equity. You will need an income stream if you want to live work-free for any length of time. Otherwise, I would buy a house or condo or find a situation where you can live &quot;rent-free&quot;. Also pay cash for an older car. Those are your major expenses. Generally, I would live within your means, and cook your own food. Avoid travel and entertainment expenses, especially bars. Have fun!
rabino大约 11 年前
Try very hard not spending 18hs a day in front of the computer. It&#x27;s really hard to do that when you switch to remote. Go out, shave, shower every day. Try to keep you healthy.
benbou09大约 11 年前
Take 20 min a day to meditate
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w1ntermute大约 11 年前
Since you&#x27;re interested in Bitcoin, educate yourself on economics. There&#x27;s a good reading list on &#x2F;r&#x2F;economics.
mck-大约 11 年前
Read SICP, take MIT&#x27;s 6.001 and learn Lisp -- it&#x27;ll get you ready for any other language you&#x27;ll pick up. Then take any number of free courses online on Coursera, Udacity, Codeschool...<p>This is what I did after I quit being a trader at an Investment Bank, and moved to the Chinese country-side for 8 months of re-education :)
bttf3大约 11 年前
I&#x27;m a recent graduate of the Royal Northern College of Music in the UK; If classical guitar is something that interests you music-wise, I&#x27;d be happy to help point you in the right direction. alir3142@gmail.com
burritofanatic大约 11 年前
If you do plan to keep your license active, your state may have a poorer-lawyer fee scale. Take advantage of that. Same goes with CEB requirements. There&#x27;s no need to pay for the expensive all inclusive programs.
undoware大约 11 年前
I just did this. Learn piano. If you suck, write code that will make it faster to learn. (off the top of my head: write a midi filter that only permits keystrokes that are onbeat, and makes a fart sound if you miss.)
granfalloon大约 11 年前
Wow, thanks so much for all the great responses! This has gotten me really excited. Lots to think about!<p>(And special thanks to those who left their contact information -- I really appreciate it.)
jnsaff2大约 11 年前
I started Udacity courses, highly recommended, you don&#x27;t have to pay as well if you don&#x27;t want to. There are othe MOOC&#x27;s as well..
TrainedMonkey大约 11 年前
Make sure to spend some time with your family&#x2F;parents&#x2F;friends.
bayesianhorse大约 11 年前
Make more money.